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Previous: EVANS BANCORP INC, 10-Q, 2000-08-09 |
Next: YORK INTERNATIONAL CORP /DE/, SC 13G/A, 2000-08-09 |
<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM EVANS
BANCORP, INC. UNAUDITED BALANCE SHEET AND STATEMENT OF INCOME AND IS QUALIFIED
IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<CIK> 0000842518
<NAME> EVANS BANCORP, INC.
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 7,755,036
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 3,550,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 67,398,387
<INVESTMENTS-CARRYING> 3,551,855
<INVESTMENTS-MARKET> 0
<LOANS> 120,884,484
<ALLOWANCE> 1,000,779
<TOTAL-ASSETS> 210,994,777
<DEPOSITS> 182,366,676
<SHORT-TERM> 0
<LIABILITIES-OTHER> 4,514,995
<LONG-TERM> 5,000,000
0
0
<COMMON> 849,475
<OTHER-SE> 18,263,631
<TOTAL-LIABILITIES-AND-EQUITY> 210,994,777
<INTEREST-LOAN> 5,181,489
<INTEREST-INVEST> 2,091,098
<INTEREST-OTHER> 80,349
<INTEREST-TOTAL> 7,352,936
<INTEREST-DEPOSIT> 2,867,606
<INTEREST-EXPENSE> 3,075,422
<INTEREST-INCOME-NET> 4,277,514
<LOAN-LOSSES> 160,000
<SECURITIES-GAINS> (15,480)
<EXPENSE-OTHER> 3,328,366
<INCOME-PRETAX> 1,588,252
<INCOME-PRE-EXTRAORDINARY> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,178,452
<EPS-BASIC> .69
<EPS-DILUTED> 0
<YIELD-ACTUAL> 7.97
<LOANS-NON> 1,576,004
<LOANS-PAST> 18,340
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 838,167
<CHARGE-OFFS> 965
<RECOVERIES> 3,557
<ALLOWANCE-CLOSE> 1,000,779
<ALLOWANCE-DOMESTIC> 160,000
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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