UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D. C. 20549
FORM 10-Q (Amendment #1)
Quarterly Report Pursuant To Section 13 or 15(d)
Of The Securities Exchange Act of 1934
For the quarterly period ended September 30, 1995
Commission File Number: 000-18507
Citi-Bancshares, Inc.
(Exact name of registrant as specified in its charter)
Florida 59-2298309
(State Or Other Jurisdiction Of (Internal Revenue Service Employer
Incorporation Or Organization) Identification Number)
1211 N. Boulevard W., Leesburg, Florida 34748
(Address of principal executive offices) (Zip Code)
904-787-5111
(Registrant's telephone number, including area code)
Indicate By Check Mark Whether The Registrant:
(1) Has filed all reports required to be filed by Section 13 or 15(d) of the
Securities Exchange Act of 1934 during the preceding 12 months (or for such
shorter period that the registrant was required to file such reports), and
(2) Has been subject to such filing requirements for the past 90 days.
YES ___X___ NO _______
Indicate the number of shares outstanding of each of the issuer's classes of
common stock, as of the latest practicable date.
4,047,643
<PAGE>
FINANCIAL STATEMENTS (UNAUDITED)
CITI-BANCSHARES, INC. AND SUBSIDIARY
LEESBURG, FLORIDA
SEPTEMBER 30, 1995
CONTENTS
Part I - Financial Information Page
Item 1.
Condensed Consolidated Balance Sheet 1
Condensed Consolidated Statement of Income 2
Condensed Consolidated Statements of Changes In
Stockholders' Equity 3
Condensed Consolidated Statements of Cash Flows 4-5
Notes to Condensed Consolidated Financial Statements 6-8
Item 2.
Management's Discussion and Analysis of Financial 9-15
Conditions and Results of Operations.
Part II - Other Information
Item 1. Legal Proceedings
None
Item 2. Changes in Securities
Not Applicable
Item 3. Defaults upon Senior Securities
Not Applicable
Item 4. Submission of Matters to a Vote of Security Holders
Not Applicable
Item 5. Other Information 16
See attached
Item 6. Exhibits and Reports on Form 8-K
No reports on Form 8-K were filed during the quarter
ended September 30, 1995.
Exhibit 27
Signatures
Pursuant to the requiremtns of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.
CITI-BANCSHARES, INC.
(REGISTRANT)
Dated: December 27, 1995 By /s/ K.W. MULLIS
K. W. MULLIS
PRESIDENT
Dated: December 27, 1995 By /s/ BOBBY A. SULLIVAN
BOBBY A. SULLIVAN
SECRETARY
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<PERIOD-START> JAN-01-1995
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0
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