FIDELITY NATIONAL CORP /GA/
10-Q, EX-27, 2000-11-08
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1
<CURRENCY> U.S. DOLLARS

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<EXCHANGE-RATE>                                      1
<CASH>                                      27,279,925
<INT-BEARING-DEPOSITS>                       1,454,463
<FED-FUNDS-SOLD>                            27,633,321
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 41,183,658
<INVESTMENTS-CARRYING>                      34,478,077
<INVESTMENTS-MARKET>                        33,348,444
<LOANS>                                    780,681,211
<ALLOWANCE>                                  9,379,464
<TOTAL-ASSETS>                             947,154,182
<DEPOSITS>                                 799,493,053
<SHORT-TERM>                                31,501,372
<LIABILITIES-OTHER>                          8,365,128
<LONG-TERM>                                 49,500,000
                                0
                                          0
<COMMON>                                    39,747,406
<OTHER-SE>                                  18,547,223
<TOTAL-LIABILITIES-AND-EQUITY>             947,154,182
<INTEREST-LOAN>                             54,471,436
<INTEREST-INVEST>                            3,699,029
<INTEREST-OTHER>                               512,271
<INTEREST-TOTAL>                            58,682,736
<INTEREST-DEPOSIT>                          25,945,276
<INTEREST-EXPENSE>                          30,690,253
<INTEREST-INCOME-NET>                       27,992,483
<LOAN-LOSSES>                                4,200,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                             30,908,979
<INCOME-PRETAX>                              7,133,721
<INCOME-PRE-EXTRAORDINARY>                   4,626,582
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 4,626,582
<EPS-BASIC>                                        .53
<EPS-DILUTED>                                      .53
<YIELD-ACTUAL>                                    9.28
<LOANS-NON>                                  1,568,744
<LOANS-PAST>                                 2,044,544
<LOANS-TROUBLED>                               911,700
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                            10,253,541
<CHARGE-OFFS>                                6,606,323
<RECOVERIES>                                 1,532,246
<ALLOWANCE-CLOSE>                            9,379,464
<ALLOWANCE-DOMESTIC>                         9,379,464
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        637,000


</TABLE>


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