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Previous: WGNB CORP, 10SB12G, EX-27.1, 2000-06-14 |
Next: STRUCTURED ASSET SECURITIES CORP MO PA TH CE SE 2000-BC2, 8-K, 2000-06-14 |
<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF WGNB CORP. FOR THE YEAR ENDED DECEMBER 31, 1999 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-START> JAN-01-1999
<PERIOD-END> DEC-31-1999
<CASH> 14,845,644
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 5,220,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 41,384,953
<INVESTMENTS-CARRYING> 1,000,000
<INVESTMENTS-MARKET> 0
<LOANS> 184,328,151
<ALLOWANCE> 2,281,298
<TOTAL-ASSETS> 254,035,006
<DEPOSITS> 214,805,402
<SHORT-TERM> 350,000
<LIABILITIES-OTHER> 1,887,029
<LONG-TERM> 15,000,000
0
0
<COMMON> 3,881,743
<OTHER-SE> 18,110,832
<TOTAL-LIABILITIES-AND-EQUITY> 254,035,006
<INTEREST-LOAN> 17,048,668
<INTEREST-INVEST> 2,518,510
<INTEREST-OTHER> 316,157
<INTEREST-TOTAL> 19,883,335
<INTEREST-DEPOSIT> 7,534,272
<INTEREST-EXPENSE> 7,967,572
<INTEREST-INCOME-NET> 11,915,763
<LOAN-LOSSES> 303,462
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 7,992,616
<INCOME-PRETAX> 5,550,638
<INCOME-PRE-EXTRAORDINARY> 5,550,638
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 3,555,672
<EPS-BASIC> 1.14
<EPS-DILUTED> 1.13
<YIELD-ACTUAL> 9.07
<LOANS-NON> 370,000
<LOANS-PAST> 48,000
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 418,000
<ALLOWANCE-OPEN> 2,018,852
<CHARGE-OFFS> 129,946
<RECOVERIES> 88,930
<ALLOWANCE-CLOSE> 2,281,298
<ALLOWANCE-DOMESTIC> 2,281,298
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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