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Previous: CHESAPEAKE FINANCIAL SHARES INC, 10QSB, 2000-08-10 |
Next: VULCAN INTERNATIONAL CORP, 10-Q, 2000-08-10 |
<TABLE> <S> <C>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> JUN-30-2000
<CASH> 9,789,899
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 40,306,273
<INVESTMENTS-CARRYING> 40,823,980
<INVESTMENTS-MARKET> 40,306,273
<LOANS> 146,384,487
<ALLOWANCE> 2,312,817
<TOTAL-ASSETS> 212,857,807
<DEPOSITS> 184,123,735
<SHORT-TERM> 10,000,000
<LIABILITIES-OTHER> 1,477,317
<LONG-TERM> 836,078
0
0
<COMMON> 6,163,775
<OTHER-SE> 10,256,902
<TOTAL-LIABILITIES-AND-EQUITY> 212,857,807
<INTEREST-LOAN> 6,160,705
<INTEREST-INVEST> 1,304,132
<INTEREST-OTHER> 2,060
<INTEREST-TOTAL> 7,466,897
<INTEREST-DEPOSIT> 3,340,947
<INTEREST-EXPENSE> 3,590,345
<INTEREST-INCOME-NET> 3,876,552
<LOAN-LOSSES> 180,248
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 4,710,285
<INCOME-PRETAX> 1,318,212
<INCOME-PRE-EXTRAORDINARY> 1,318,212
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,001,841
<EPS-BASIC> .82
<EPS-DILUTED> .79
<YIELD-ACTUAL> .447
<LOANS-NON> 515,852
<LOANS-PAST> 6,743
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 765,144
<ALLOWANCE-OPEN> 2,253,676
<CHARGE-OFFS> 122,967
<RECOVERIES> 1,860
<ALLOWANCE-CLOSE> 2,312,817
<ALLOWANCE-DOMESTIC> 2,312,817
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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