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Previous: GOLDEN ISLES FINANCIAL HOLDINGS INC, 10QSB, 2000-11-09 |
Next: GOLDEN ISLES FINANCIAL HOLDINGS INC, 10QSB/A, 2000-11-09 |
<TABLE> <S> <C>
<PAGE>
<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from Golden Isles
Financial Holdings, Inc. unaudited consolidated financial statements for the
period ended September 30, 2000, and is qualified in its entirety by reference
to such financial statements.
</LEGEND>
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 3,345,866
<INT-BEARING-DEPOSITS> 220,886
<FED-FUNDS-SOLD> 6,966,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 19,654,036
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 113,219,093
<ALLOWANCE> 2,726,441
<TOTAL-ASSETS> 148,413,263
<DEPOSITS> 122,642,750
<SHORT-TERM> 0
<LIABILITIES-OTHER> 623,750
<LONG-TERM> 11,493,493
0
0
<COMMON> 1,094,338
<OTHER-SE> 12,558,932
<TOTAL-LIABILITIES-AND-EQUITY> 148,413,263
<INTEREST-LOAN> 7,729,250
<INTEREST-INVEST> 937,097
<INTEREST-OTHER> 254,744
<INTEREST-TOTAL> 8,921,091
<INTEREST-DEPOSIT> 4,377,336
<INTEREST-EXPENSE> 4,806,179
<INTEREST-INCOME-NET> 4,114,912
<LOAN-LOSSES> 225,000
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 3,141,434
<INCOME-PRETAX> 1,394,282
<INCOME-PRE-EXTRAORDINARY> 1,394,282
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 918,067
<EPS-BASIC> 0.37
<EPS-DILUTED> 0.37
<YIELD-ACTUAL> 4.07
<LOANS-NON> 3,710,000
<LOANS-PAST> 384,000
<LOANS-TROUBLED> 1,659,000
<LOANS-PROBLEM> 6,081,000
<ALLOWANCE-OPEN> 2,559,153
<CHARGE-OFFS> 197,292
<RECOVERIES> 139,580
<ALLOWANCE-CLOSE> 2,726,441
<ALLOWANCE-DOMESTIC> 2,726,441
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 147,640
</TABLE>
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