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Previous: CITIZENS BANCSHARES CORP /GA/, 10QSB, 2000-08-15 |
Next: CADENCE DESIGN SYSTEMS INC, 10-Q, 2000-08-15 |
<TABLE> <S> <C>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> JUN-30-2000
<CASH> 12,859
<INT-BEARING-DEPOSITS> 10,833
<FED-FUNDS-SOLD> 300
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 46,814
<INVESTMENTS-CARRYING> 6,358
<INVESTMENTS-MARKET> 0
<LOANS> 161,938
<ALLOWANCE> (2,778)
<TOTAL-ASSETS> 254,053
<DEPOSITS> 219,368
<SHORT-TERM> 11,028
<LIABILITIES-OTHER> 3,593
<LONG-TERM> 0
0
0
<COMMON> 2,320
<OTHER-SE> 17,744
<TOTAL-LIABILITIES-AND-EQUITY> 254,053
<INTEREST-LOAN> 7,409
<INTEREST-INVEST> 1,619
<INTEREST-OTHER> 117
<INTEREST-TOTAL> 9,145
<INTEREST-DEPOSIT> 3,238
<INTEREST-EXPENSE> 307
<INTEREST-INCOME-NET> 5,600
<LOAN-LOSSES> 150
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 7,792
<INCOME-PRETAX> 2,004
<INCOME-PRE-EXTRAORDINARY> 2,004
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,439
<EPS-BASIC> 0.65
<EPS-DILUTED> 0.65
<YIELD-ACTUAL> 0
<LOANS-NON> 1,824
<LOANS-PAST> 133
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 1,572
<ALLOWANCE-OPEN> 1,612
<CHARGE-OFFS> 515
<RECOVERIES> 131
<ALLOWANCE-CLOSE> 2,778
<ALLOWANCE-DOMESTIC> 2,778
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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