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Previous: NORTH COUNTRY FINANCIAL CORP, 10-Q, EX-10, 2000-11-13 |
Next: CITIBANK NA, 13F-NT, 2000-11-13 |
<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> SEP-30-2000
<CASH> 25,125
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 3,427
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 45,474
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 537,709
<ALLOWANCE> 8,511
<TOTAL-ASSETS> 644,216
<DEPOSITS> 527,312
<SHORT-TERM> 0
<LIABILITIES-OTHER> 7,020
<LONG-TERM> 54,593
0
0
<COMMON> 15,899
<OTHER-SE> 26,942
<TOTAL-LIABILITIES-AND-EQUITY> 644,216
<INTEREST-LOAN> 36,848
<INTEREST-INVEST> 3,014
<INTEREST-OTHER> 332
<INTEREST-TOTAL> 40,194
<INTEREST-DEPOSIT> 17,646
<INTEREST-EXPENSE> 21,400
<INTEREST-INCOME-NET> 18,794
<LOAN-LOSSES> 4,375
<SECURITIES-GAINS> 110
<EXPENSE-OTHER> 14,317
<INCOME-PRETAX> 4,322
<INCOME-PRE-EXTRAORDINARY> 4,322
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 3,741
<EPS-BASIC> .54
<EPS-DILUTED> .53
<YIELD-ACTUAL> 4.80
<LOANS-NON> 10,542
<LOANS-PAST> 6,933
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 6,863
<CHARGE-OFFS> 2,827
<RECOVERIES> 100
<ALLOWANCE-CLOSE> 8,511
<ALLOWANCE-DOMESTIC> 8,511
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 2,277
</TABLE>
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