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Previous: FIRST CITIZENS BANCSHARES INC /TN/, 10-Q, EX-20, 2000-11-14 |
Next: TRANSFINANCIAL HOLDINGS INC, NT 10-Q, 2000-11-14 |
<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1,000
<S> <C> <C>
<PERIOD-TYPE> 3-MOS 3-MOS
<FISCAL-YEAR-END> DEC-31-2000 DEC-31-1999
<PERIOD-START> JUL-31-2000 JUL-31-1999
<PERIOD-END> SEP-30-2000 SEP-30-1999
<CASH> 21,638 15,028
<INT-BEARING-DEPOSITS> 0 0
<FED-FUNDS-SOLD> 0 0
<TRADING-ASSETS> 0 0
<INVESTMENTS-HELD-FOR-SALE> 80,871 81,173
<INVESTMENTS-CARRYING> 17,742 21,349
<INVESTMENTS-MARKET> 0 0
<LOANS> 341,408 327,032
<ALLOWANCE> 3,976 3,878
<TOTAL-ASSETS> 493,940 473,669
<DEPOSITS> 360,437 355,746
<SHORT-TERM> 51,484 37,689
<LIABILITIES-OTHER> 3,714 3,690
<LONG-TERM> 32,404 32,541
0 0
0 0
<COMMON> 3,718 3,705
<OTHER-SE> 42,183 40,555
<TOTAL-LIABILITIES-AND-EQUITY> 493,940 473,669
<INTEREST-LOAN> 8,096 7,474
<INTEREST-INVEST> 1,611 1,619
<INTEREST-OTHER> 0 7
<INTEREST-TOTAL> 9,734 9,107
<INTEREST-DEPOSIT> 3,991 3,417
<INTEREST-EXPENSE> 5,183 4,192
<INTEREST-INCOME-NET> 4,551 4,915
<LOAN-LOSSES> 239 122
<SECURITIES-GAINS> (19) 0
<EXPENSE-OTHER> 4,825 3,852
<INCOME-PRETAX> 922 2,396
<INCOME-PRE-EXTRAORDINARY> 695 1,550
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> 695 1,550
<EPS-BASIC> 0.19 0.42
<EPS-DILUTED> 0.19 0.42
<YIELD-ACTUAL> 4.14 4.58
<LOANS-NON> 1,862 655
<LOANS-PAST> 1,877 444
<LOANS-TROUBLED> 0 0
<LOANS-PROBLEM> 8,176 8,536
<ALLOWANCE-OPEN> 3,898 3,822
<CHARGE-OFFS> 249 192
<RECOVERIES> 88 126
<ALLOWANCE-CLOSE> 3,976 3,878
<ALLOWANCE-DOMESTIC> 3,976 3,878
<ALLOWANCE-FOREIGN> 0 0
<ALLOWANCE-UNALLOCATED> 0 0
</TABLE>
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