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Previous: NIAGARA BANCORP INC, 10-Q, EX-99.1, 2000-08-14 |
Next: WORLD MONITOR TRUST SERIES A, 10-Q, 2000-08-14 |
<TABLE> <S> <C>
<PAGE>
<ARTICLE> 9
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> JUN-30-2000
<CASH> 5,759
<INT-BEARING-DEPOSITS> 1,185,855
<FED-FUNDS-SOLD> 24,400
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 474,578
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 1,142,001
<ALLOWANCE> 10,991
<TOTAL-ASSETS> 1,800,863
<DEPOSITS> 1,223,326
<SHORT-TERM> 75,180
<LIABILITIES-OTHER> 35,852
<LONG-TERM> 237,510
0
0
<COMMON> 298
<OTHER-SE> 228,697
<TOTAL-LIABILITIES-AND-EQUITY> 1,800,863
<INTEREST-LOAN> 41,500
<INTEREST-INVEST> 16,998
<INTEREST-OTHER> 1,297
<INTEREST-TOTAL> 59,795
<INTEREST-DEPOSIT> 23,225
<INTEREST-EXPENSE> 32,486
<INTEREST-INCOME-NET> 27,309
<LOAN-LOSSES> 971
<SECURITIES-GAINS> (17)
<EXPENSE-OTHER> 27,560
<INCOME-PRETAX> 14,587
<INCOME-PRE-EXTRAORDINARY> 14,587
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 9,518
<EPS-BASIC> 0.38
<EPS-DILUTED> 0.38
<YIELD-ACTUAL> 7.29
<LOANS-NON> 1,987
<LOANS-PAST> 1,243
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 3,954
<ALLOWANCE-OPEN> 9,862
<CHARGE-OFFS> 304
<RECOVERIES> 162
<ALLOWANCE-CLOSE> 10,991
<ALLOWANCE-DOMESTIC> 8,425
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 2,567
</TABLE>
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