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Previous: BEVERLY NATIONAL CORP, 10QSB, 2000-08-10 |
Next: MUTUAL OF AMERICA LIFE INSURANCE CO, 13F-NT, 2000-08-10 |
<TABLE> <S> <C>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> JUN-30-2000
<CASH> 16,289,832
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 15,500,000
<TRADING-ASSETS> 650,157
<INVESTMENTS-HELD-FOR-SALE> 30,017,299
<INVESTMENTS-CARRYING> 17,078,037
<INVESTMENTS-MARKET> 16,983,634
<LOANS> 155,737,243
<ALLOWANCE> 2,130,920
<TOTAL-ASSETS> 250,399,524
<DEPOSITS> 227,067,099
<SHORT-TERM> 0
<LIABILITIES-OTHER> 2,083,931
<LONG-TERM> 0
0
0
<COMMON> 4,187,245
<OTHER-SE> 17,061,249
<TOTAL-LIABILITIES-AND-EQUITY> 250,399,524
<INTEREST-LOAN> 6,550,865
<INTEREST-INVEST> 1,487,832
<INTEREST-OTHER> 271,650
<INTEREST-TOTAL> 8,310,347
<INTEREST-DEPOSIT> 5,561,286
<INTEREST-EXPENSE> 2,699
<INTEREST-INCOME-NET> 5,561,286
<LOAN-LOSSES> 0
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 4,997,871
<INCOME-PRETAX> 1,895,596
<INCOME-PRE-EXTRAORDINARY> 1,895,596
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,164,196
<EPS-BASIC> .73
<EPS-DILUTED> .67
<YIELD-ACTUAL> 7.59
<LOANS-NON> 255,569
<LOANS-PAST> 26,486
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 2,132,386
<CHARGE-OFFS> 58,067
<RECOVERIES> 56,601
<ALLOWANCE-CLOSE> 2,130,920
<ALLOWANCE-DOMESTIC> 1,627,421
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 503,499
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