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<PAGE> 1
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 10-QSB/A
(Amended Filing)
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 33-37078
FNC BANCORP, INC.
(Exact name of Small Business Issuer
as specified in its charter)
Georgia 58-1910615
(State or other jurisdiction of (I.R.S. Employer
incorporation or organization) Identification No.)
420 South Madison Avenue
Douglas, Georgia
(Address of principal executive offices)
(912) 384-1100
(Issuer's telephone number)
Check whether the Issuer (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
----- -----
The number of shares outstanding of the Issuer's class of common stock at
June 30, 1996 was 405,710 shares of common stock.
Transitional Small Business Disclosure Format (Check one): Yes No X
---- ----
<PAGE> 2
FNC BANCORP, INC.
FORM 10-QSB/A
TABLE OF CONTENTS
PAGE
----
Signatures . . . . . . . . . . . . . . . . . . . . . . . . . . . 3
Corrected Financial Data Schedule . . . . . . . . . . . . . . . . . . . . 4
<PAGE> 3
SIGNATURES
In accordance with the requirements of the Exchange Act, the Registrant
caused this report to be signed on its behalf by the undersigned, thereunto
duly authorized.
FNC BANCORP, INC.
----------------------------------------
(Registrant)
Date August 22, 1996 By BOB CATION
------------------------------- ---------------------------------
Bob Cation
Chairman
<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1996
<PERIOD-START> JAN-01-1996
<PERIOD-END> JUN-30-1996
<CASH> 2,935,496
<INT-BEARING-DEPOSITS> 22,776
<FED-FUNDS-SOLD> 6,830,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 4,852,145
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 32,187,067
<ALLOWANCE> 1,500,882
<TOTAL-ASSETS> 48,420,080
<DEPOSITS> 41,913,967
<SHORT-TERM> 0
<LIABILITIES-OTHER> 546,010
<LONG-TERM> 2,540,000
<COMMON> 405,710
0
0
<OTHER-SE> 3,014,393
<TOTAL-LIABILITIES-AND-EQUITY> 48,420,080
<INTEREST-LOAN> 1,648,019
<INTEREST-INVEST> 163,742
<INTEREST-OTHER> 129,599
<INTEREST-TOTAL> 1,914,360
<INTEREST-DEPOSIT> 924,718
<INTEREST-EXPENSE> 989,370
<INTEREST-INCOME-NET> 924,990
<LOAN-LOSSES> 1,344,315
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 790,007
<INCOME-PRETAX> (970,903)
<INCOME-PRE-EXTRAORDINARY> (641,614)
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> (641,614)
<EPS-PRIMARY> (1.37)
<EPS-DILUTED> (1.37)
<YIELD-ACTUAL> 0
<LOANS-NON> 0
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 0
<CHARGE-OFFS> 0
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 0
<ALLOWANCE-DOMESTIC> 0
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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