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Previous: CITIZENS FIRST CORP, 10QSB, EX-11, 2000-08-14 |
Next: STUDENT ADVANTAGE INC, 10-Q, 2000-08-14 |
<TABLE> <S> <C>
<ARTICLE> 9
<CIK> 1073475
<NAME> Citizens First Corporation
<S> <C> <C>
<PERIOD-TYPE> 6-MOS 3-MOS
<FISCAL-YEAR-END> Dec-31-2000 Dec-31-2000
<PERIOD-START> Jan-01-2000 Apr-01-2000
<PERIOD-END> Jun-30-2000 Jun-30-2000
<CASH> 2,740,781 2,740,781
<INT-BEARING-DEPOSITS> 22,568 22,568
<FED-FUNDS-SOLD> 0 0
<TRADING-ASSETS> 0 0
<INVESTMENTS-HELD-FOR-SALE> 6,196,626 6,196,626
<INVESTMENTS-CARRYING> 0 0
<INVESTMENTS-MARKET> 0 0
<LOANS> 48,041,754 48,041,754
<ALLOWANCE> 581,520 581,520
<TOTAL-ASSETS> 58,619,588 58,619,588
<DEPOSITS> 48,215,570 48,215,570
<SHORT-TERM> 3,423,631 3,423,631
<LIABILITIES-OTHER> 420,732 420,732
<LONG-TERM> 0 0
0 0
0 0
<COMMON> 7,357,477 7,357,477
<OTHER-SE> (797,822) (797,822)
<TOTAL-LIABILITIES-AND-EQUITY> 58,619,588 58,619,588
<INTEREST-LOAN> 1,833,406 1,042,776
<INTEREST-INVEST> 189,710 94,358
<INTEREST-OTHER> 71,619 31,683
<INTEREST-TOTAL> 2,094,735 1,168,817
<INTEREST-DEPOSIT> 1,025,360 571,046
<INTEREST-EXPENSE> 1,057,037 591,351
<INTEREST-INCOME-NET> 1,037,698 577,466
<LOAN-LOSSES> 207,000 118,500
<SECURITIES-GAINS> (6,700) 0
<EXPENSE-OTHER> 1,245,583 621,542
<INCOME-PRETAX> (307,918) (91,585)
<INCOME-PRE-EXTRAORDINARY> (307,918) (91,585)
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> (307,918) (91,585)
<EPS-BASIC> (.48) (.14)
<EPS-DILUTED> (.48) (.14)
<YIELD-ACTUAL> 4.28 4.42
<LOANS-NON> 0 0
<LOANS-PAST> 0 0
<LOANS-TROUBLED> 0 0
<LOANS-PROBLEM> 0 0
<ALLOWANCE-OPEN> 400,920 463,020
<CHARGE-OFFS> 26,400 0
<RECOVERIES> 0 0
<ALLOWANCE-CLOSE> 581,520 581,520
<ALLOWANCE-DOMESTIC> 0 0
<ALLOWANCE-FOREIGN> 0 0
<ALLOWANCE-UNALLOCATED> 581,520 581,520
</TABLE>
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