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Previous: BAY BANKS OF VIRGINIA INC, 10-Q, 2000-08-14 |
Next: VINIK ASSET MANAGEMENT L P, 13F-NT, 2000-08-14 |
<TABLE> <S> <C>
<PAGE>
<ARTICLE> 9
<RESTATED>
<CIK> 0001034594
<NAME> BAY BANKS OF VIRGINIA, INC.
<MULTIPLIER> 1
<CURRENCY> US
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<EXCHANGE-RATE> 1
<CASH> 6,927,471
<INT-BEARING-DEPOSITS> 156,112,100
<FED-FUNDS-SOLD> 1,803,163
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 52,432,641
<INVESTMENTS-CARRYING> 54,725,705
<INVESTMENTS-MARKET> 52,432,641
<LOANS> 144,471,130
<ALLOWANCE> (1,256,329)
<TOTAL-ASSETS> 215,282,639
<DEPOSITS> 177,333,270
<SHORT-TERM> 17,418,691
<LIABILITIES-OTHER> 1,106,390
<LONG-TERM> 0
0
0
<COMMON> 5,792,808
<OTHER-SE> 15,468,211
<TOTAL-LIABILITIES-AND-EQUITY> 215,605,948
<INTEREST-LOAN> 5,881,783
<INTEREST-INVEST> 1,592,353
<INTEREST-OTHER> 35,815
<INTEREST-TOTAL> 7,509,951
<INTEREST-DEPOSIT> 3,630,824
<INTEREST-EXPENSE> 3,835,238
<INTEREST-INCOME-NET> 3,674,713
<LOAN-LOSSES> 130,000
<SECURITIES-GAINS> (4,400)
<EXPENSE-OTHER> 3,149,805
<INCOME-PRETAX> 1,194,061
<INCOME-PRE-EXTRAORDINARY> 1,194,061
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 860,061
<EPS-BASIC> .74
<EPS-DILUTED> .71
<YIELD-ACTUAL> 4.02
<LOANS-NON> 36,551
<LOANS-PAST> 750,117
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,197,843
<CHARGE-OFFS> 74,010
<RECOVERIES> 2,496
<ALLOWANCE-CLOSE> 1,256,329
<ALLOWANCE-DOMESTIC> 1,256,329
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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