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Previous: GRAND CENTRAL FINANCIAL CORP, 10QSB, 2000-11-14 |
Next: UNIVERSAL ACCESS INC, 10-Q, 2000-11-14 |
<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
QUARTERLY REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<CIK> 0001070680
<NAME> GRAND CENTRAL FINANCIAL CORP.
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 2,545
<INT-BEARING-DEPOSITS> 7,000
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 3,217
<INVESTMENTS-CARRYING> 36,899
<INVESTMENTS-MARKET> 35,281
<LOANS> 83,130
<ALLOWANCE> 364
<TOTAL-ASSETS> 138,572
<DEPOSITS> 74,079
<SHORT-TERM> 7,000
<LIABILITIES-OTHER> 1,368
<LONG-TERM> 38,287
0
0
<COMMON> 19
<OTHER-SE> 17,819
<TOTAL-LIABILITIES-AND-EQUITY> 138,572
<INTEREST-LOAN> 4,568
<INTEREST-INVEST> 2,553
<INTEREST-OTHER> 159
<INTEREST-TOTAL> 7,280
<INTEREST-DEPOSIT> 2,344
<INTEREST-EXPENSE> 4,217
<INTEREST-INCOME-NET> 3,063
<LOAN-LOSSES> 0
<SECURITIES-GAINS> 10
<EXPENSE-OTHER> 3,011
<INCOME-PRETAX> 293
<INCOME-PRE-EXTRAORDINARY> 293
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 238
<EPS-BASIC> .15
<EPS-DILUTED> .15
<YIELD-ACTUAL> 2.28
<LOANS-NON> 291
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 369
<CHARGE-OFFS> 10
<RECOVERIES> 5
<ALLOWANCE-CLOSE> 364
<ALLOWANCE-DOMESTIC> 263
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 101
</TABLE>
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