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Previous: HCB BANCSHARES INC, 10-K405, EX-23, 2000-09-28 |
Next: ORIENTAL FINANCIAL GROUP INC, 10-K, 2000-09-28 |
<TABLE> <S> <C>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> JUN-30-2000
<PERIOD-START> JUL-01-1999
<PERIOD-END> JUN-30-2000
<CASH> 3,349,648
<INT-BEARING-DEPOSITS> 99,000
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 132,543,065
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 136,858,214
<ALLOWANCE> 1,231,709
<TOTAL-ASSETS> 291,192,175
<DEPOSITS> 144,873,071
<SHORT-TERM> 27,420,000
<LIABILITIES-OTHER> 2,309,525
<LONG-TERM> 88,349,029
0
0
<COMMON> 26,450
<OTHER-SE> 28,214,100
<TOTAL-LIABILITIES-AND-EQUITY> 291,192,175
<INTEREST-LOAN> 10,491,741
<INTEREST-INVEST> 8,831,826
<INTEREST-OTHER> 485,332
<INTEREST-TOTAL> 19,808,899
<INTEREST-DEPOSIT> 6,507,174
<INTEREST-EXPENSE> 13,099,656
<INTEREST-INCOME-NET> 6,709,243
<LOAN-LOSSES> 0
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 7,304,110
<INCOME-PRETAX> 444,755
<INCOME-PRE-EXTRAORDINARY> 444,755
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 785,902
<EPS-BASIC> 0.40
<EPS-DILUTED> 0.40
<YIELD-ACTUAL> 7.36
<LOANS-NON> 757,991
<LOANS-PAST> 161,524
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 1,572,107
<ALLOWANCE-OPEN> 1,329,201
<CHARGE-OFFS> 99,798
<RECOVERIES> 2,306
<ALLOWANCE-CLOSE> 1,231,709
<ALLOWANCE-DOMESTIC> 1,231,709
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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