This amendment is being filed to include the Financial Data Schedule which
was inadvertently omitted from the original filing.
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
__________________________________________________
FORM 10-QSB/A
QUARTERLY REPORT UNDER SECTION 13 OR
15 (D) OF THE SECURITIES EXCHANGE
ACT OF 1934
For the Quarterly Period Ended June 30, 1996
Commission File Number 33-29696-A
__________________________________________________
CITRUS FINANCIAL SERVICES, INC.
(Exact Name of registrant as specified in its charter)
Florida 65-0136594
(State or other jurisdiction of (I.R.S. Employer
incorporation or organization) Identification No.)
1717 Indian River Boulevard
Suite 100
Vero Beach, Florida 32960
(Address of Principal Executive Offices) (Zip Code)
__________________________________________________
(561) 778-4100
(Registrant's telephone number including area code)
__________________________________________________
Indicate by check mark whether the registrant (1) has filed all reports
required to be filed by Section 13 or 15 (d) of the Securities Exchange Act
of 1934 during the preceding 12 months (or for such shorter period that the
registrant was required to file such reports), and (2) has been subject to
such filing requirements for the past 90 days.
Yes X No .
Indicate the number of shares of outstanding of each of the issuer's classes
of Common Stock:
Class Outstanding as of August 8, 1996
Common Stock 711,647
Par Value $4.17 per share
<PAGE>
CITRUS FINANCIAL SERVICES, INC.
SIGNATURE
Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.
Citrus Financial Services, Inc.
Date: August 11, 1996 /s/ Josh C. Cox, Jr.
Josh C. Cox, Jr.
President and CEO
Date: August 11, 1996 /s/ Henry O. Speight
Henry O. Speight
Chief Financial Officer
<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1995
<PERIOD-END> JUN-30-1996
<CASH> 1,422
<INT-BEARING-DEPOSITS> 117
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 5,368
<INVESTMENTS-CARRYING> 4,546
<INVESTMENTS-MARKET> 4,335
<LOANS> 44,489
<ALLOWANCE> 417
<TOTAL-ASSETS> 58,719
<DEPOSITS> 52,152
<SHORT-TERM> 160
<LIABILITIES-OTHER> 311
<LONG-TERM> 605
0
0
<COMMON> 2,966
<OTHER-SE> 2,525
<TOTAL-LIABILITIES-AND-EQUITY> 58,719
<INTEREST-LOAN> 2,140
<INTEREST-INVEST> 289
<INTEREST-OTHER> 25
<INTEREST-TOTAL> 2,454
<INTEREST-DEPOSIT> 1,101
<INTEREST-EXPENSE> 1,125
<INTEREST-INCOME-NET> 1,329
<LOAN-LOSSES> 122
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 1,112
<INCOME-PRETAX> 267
<INCOME-PRE-EXTRAORDINARY> 267
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 178
<EPS-PRIMARY> .25
<EPS-DILUTED> .43
<YIELD-ACTUAL> 8.83
<LOANS-NON> 1,477
<LOANS-PAST> 395
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 373
<CHARGE-OFFS> (78)
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 417
<ALLOWANCE-DOMESTIC> 417
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
