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Previous: FRONTIER NATIONAL CORP, 10-Q, EX-11, 2000-08-11 |
Next: AMERICAN LAWYER MEDIA HOLDINGS INC, 10-Q, 2000-08-11 |
<TABLE> <S> <C>
<PAGE>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 9,413,305
<INT-BEARING-DEPOSITS> 276,562
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 44,923,697
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 158,948,938
<ALLOWANCE> 1,809,712
<TOTAL-ASSETS> 231,047,074
<DEPOSITS> 177,492,442
<SHORT-TERM> 3,240,000
<LIABILITIES-OTHER> 3,914,839
<LONG-TERM> 25,442,000
0
0
<COMMON> 3,498
<OTHER-SE> 20,954,295
<TOTAL-LIABILITIES-AND-EQUITY> 231,047,074
<INTEREST-LOAN> 7,290,985
<INTEREST-INVEST> 1,535,017
<INTEREST-OTHER> 118,577
<INTEREST-TOTAL> 8,944,579
<INTEREST-DEPOSIT> 3,352,310
<INTEREST-EXPENSE> 4,121,934
<INTEREST-INCOME-NET> 4,822,645
<LOAN-LOSSES> 226,763
<SECURITIES-GAINS> 2,914
<EXPENSE-OTHER> 4,313,200
<INCOME-PRETAX> 2,031,936
<INCOME-PRE-EXTRAORDINARY> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,441,194
<EPS-BASIC> .42
<EPS-DILUTED> .41
<YIELD-ACTUAL> 4.55
<LOANS-NON> 837,000
<LOANS-PAST> 559,000
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,849,356
<CHARGE-OFFS> 463,491
<RECOVERIES> 197,084
<ALLOWANCE-CLOSE> 1,809,712
<ALLOWANCE-DOMESTIC> 1,809,712
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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