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Previous: UNITED BANCORPORATION OF ALABAMA INC, 10-Q, 2000-08-11 |
Next: AMERICAN EDUCATION CORPORATION, 10QSB, 2000-08-11 |
<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S INTERIM FINANCIAL STATEMENTS FOR FISCAL PERIOD 6-30-00 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 8,985,506
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 715,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 51,662,603
<INVESTMENTS-CARRYING> 15,249,160
<INVESTMENTS-MARKET> 14,432,026
<LOANS> 133,874,295
<ALLOWANCE> 1,796,115
<TOTAL-ASSETS> 217,084,492
<DEPOSITS> 177,099,936
<SHORT-TERM> 0
<LIABILITIES-OTHER> 2,509,928
<LONG-TERM> 8,966,580
0
0
<COMMON> 11,549
<OTHER-SE> 18,507,811
<TOTAL-LIABILITIES-AND-EQUITY> 217,084,492
<INTEREST-LOAN> 6,177,015
<INTEREST-INVEST> 1,943,891
<INTEREST-OTHER> 295,080
<INTEREST-TOTAL> 8,415,986
<INTEREST-DEPOSIT> 3,433,427
<INTEREST-EXPENSE> 4,004,711
<INTEREST-INCOME-NET> 4,411,275
<LOAN-LOSSES> 235,000
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 3,710,462
<INCOME-PRETAX> 1,232,340
<INCOME-PRE-EXTRAORDINARY> 1,232,340
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 909,251
<EPS-BASIC> .83
<EPS-DILUTED> .83
<YIELD-ACTUAL> 8.36
<LOANS-NON> 847,463
<LOANS-PAST> 16,000
<LOANS-TROUBLED> 146,000
<LOANS-PROBLEM> 3,240,156
<ALLOWANCE-OPEN> 1,676,274
<CHARGE-OFFS> 125,817
<RECOVERIES> 10,658
<ALLOWANCE-CLOSE> 1,796,115
<ALLOWANCE-DOMESTIC> 1,796,115
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 945,556
</TABLE>
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