FIDELITY BANCSHARES NC INC /DE/
10-Q, EX-27.1, 2000-08-11
STATE COMMERCIAL BANKS
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<TABLE> <S> <C>

<ARTICLE> 9
<CIK> 0000825953
<NAME> FIDELITY BANCSHARES (N.C.), INC.

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                      50,118,929
<INT-BEARING-DEPOSITS>                       6,343,765
<FED-FUNDS-SOLD>                             6,500,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  6,543,197
<INVESTMENTS-CARRYING>                     144,777,383
<INVESTMENTS-MARKET>                       142,364,430
<LOANS>                                    592,821,488
<ALLOWANCE>                                  6,028,024
<TOTAL-ASSETS>                             858,440,386
<DEPOSITS>                                 732,210,126
<SHORT-TERM>                                23,351,627
<LIABILITIES-OTHER>                          7,099,323
<LONG-TERM>                                 23,000,000
                                0
                                          0
<COMMON>                                     6,902,616
<OTHER-SE>                                  65,876,694
<TOTAL-LIABILITIES-AND-EQUITY>             858,440,386
<INTEREST-LOAN>                             26,886,128
<INTEREST-INVEST>                            5,032,245
<INTEREST-OTHER>                               341,062
<INTEREST-TOTAL>                            32,259,435
<INTEREST-DEPOSIT>                          12,841,187
<INTEREST-EXPENSE>                          14,297,147
<INTEREST-INCOME-NET>                       17,962,288
<LOAN-LOSSES>                                1,125,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                             13,687,484
<INCOME-PRETAX>                              6,441,264
<INCOME-PRE-EXTRAORDINARY>                   6,441,264
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 4,101,176
<EPS-BASIC>                                     145.59
<EPS-DILUTED>                                   145.59
<YIELD-ACTUAL>                                    4.75
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             5,141,647
<CHARGE-OFFS>                                  932,687
<RECOVERIES>                                   694,064
<ALLOWANCE-CLOSE>                            6,028,024
<ALLOWANCE-DOMESTIC>                         6,028,024
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        363,872


</TABLE>


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