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Previous: FIDELITY NATIONAL CORP /GA/, 10-Q, 2000-08-14 |
Next: ZOOM TELEPHONICS INC, 10-Q, 2000-08-14 |
<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1
<CURRENCY> U.S. DOLLARS
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<EXCHANGE-RATE> 1
<CASH> 32,772,946
<INT-BEARING-DEPOSITS> 1,372,891
<FED-FUNDS-SOLD> 12,871,348
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 41,509,480
<INVESTMENTS-CARRYING> 35,049,883
<INVESTMENTS-MARKET> 33,291,832
<LOANS> 775,297,078
<ALLOWANCE> 10,143,666
<TOTAL-ASSETS> 932,322,001
<DEPOSITS> 781,294,603
<SHORT-TERM> 48,218,060
<LIABILITIES-OTHER> 6,601,818
<LONG-TERM> 39,500,000
0
0
<COMMON> 39,816,731
<OTHER-SE> 16,890,789
<TOTAL-LIABILITIES-AND-EQUITY> 932,322,001
<INTEREST-LOAN> 35,250,827
<INTEREST-INVEST> 2,480,588
<INTEREST-OTHER> 199,630
<INTEREST-TOTAL> 37,931,045
<INTEREST-DEPOSIT> 16,306,805
<INTEREST-EXPENSE> 19,325,554
<INTEREST-INCOME-NET> 18,605,491
<LOAN-LOSSES> 3,000,000
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 20,351,415
<INCOME-PRETAX> 4,713,389
<INCOME-PRE-EXTRAORDINARY> 3,057,621
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 3,057,621
<EPS-BASIC> .35
<EPS-DILUTED> .35
<YIELD-ACTUAL> 9.19
<LOANS-NON> 1,853,000
<LOANS-PAST> 2,631,000
<LOANS-TROUBLED> 912,000
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 10,253,541
<CHARGE-OFFS> 4,191,947
<RECOVERIES> 1,082,072
<ALLOWANCE-CLOSE> 10,143,666
<ALLOWANCE-DOMESTIC> 10,143,666
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 778,000
</TABLE>
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