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Previous: LENAWEE BANCORP INC, 10-12G/A, 2000-06-27 |
Next: EQUITY INVESTOR FUND SEL S&P INDUS PORT 2000 SER D DEF ASSE, 497, 2000-06-27 |
<TABLE> <S> <C>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-START> JAN-01-1999
<PERIOD-END> DEC-31-1999
<CASH> 7,309,898
<INT-BEARING-DEPOSITS> 36,686,950
<FED-FUNDS-SOLD> 2,200,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 25,887,875
<INVESTMENTS-CARRYING> 25,382,231
<INVESTMENTS-MARKET> 35,887,875
<LOANS> 197,367,017
<ALLOWANCE> 4,646,484
<TOTAL-ASSETS> 239,903,508
<DEPOSITS> 199,206,409
<SHORT-TERM> 10,002,363
<LIABILITIES-OTHER> 1,745,084
<LONG-TERM> 6,174,391
0
0
<COMMON> 10,430,303
<OTHER-SE> 12,344,958
<TOTAL-LIABILITIES-AND-EQUITY> 239,903,508
<INTEREST-LOAN> 16,025,062
<INTEREST-INVEST> 1,872,484
<INTEREST-OTHER> 25,184
<INTEREST-TOTAL> 17,922,730
<INTEREST-DEPOSIT> 5,693,930
<INTEREST-EXPENSE> 6,312,221
<INTEREST-INCOME-NET> 11,610,509
<LOAN-LOSSES> 2,560,000
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 8,994,456
<INCOME-PRETAX> 2,293,315
<INCOME-PRE-EXTRAORDINARY> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,562,778
<EPS-BASIC> 1.83
<EPS-DILUTED> 1.83
<YIELD-ACTUAL> 6.65
<LOANS-NON> 3,071,000
<LOANS-PAST> 275,000
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 2,979,000
<CHARGE-OFFS> 157,088
<RECOVERIES> 61,823
<ALLOWANCE-CLOSE> 4,646,484
<ALLOWANCE-DOMESTIC> 0
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 2,979,000
</TABLE>
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