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Previous: GRAYSON BANKSHARES INC, 10-Q, 2000-08-14 |
Next: 3CI COMPLETE COMPLIANCE CORP, 10-Q, 2000-08-14 |
<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
QUARTERLY REPORT ON FORM 10-Q FOR THE COMPANY FOR THE PERIOD ENDED JUNE 30, 2000
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO THE FINANCIAL STATEMENTS AND
OTHER INFORMATION CONTAINED IN THAT REPORT.
</LEGEND>
<MULTIPLIER> 1
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> JUN-30-2000
<CASH> 4,530,453
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 3,909,324
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 17,645,847
<INVESTMENTS-CARRYING> 11,316,605
<INVESTMENTS-MARKET> 11,302,813
<LOANS> 133,560,468
<ALLOWANCE> 1,837,773
<TOTAL-ASSETS> 174,549,809
<DEPOSITS> 155,062,014
<SHORT-TERM> 0
<LIABILITIES-OTHER> 860,930
<LONG-TERM> 0
0
0
<COMMON> 2,148,710
<OTHER-SE> 16,478,155
<TOTAL-LIABILITIES-AND-EQUITY> 174,549,809
<INTEREST-LOAN> 5,345,927
<INTEREST-INVEST> 833,189
<INTEREST-OTHER> 229,458
<INTEREST-TOTAL> 6,408,574
<INTEREST-DEPOSIT> 3,206,152
<INTEREST-EXPENSE> 3,206,152
<INTEREST-INCOME-NET> 3,202,422
<LOAN-LOSSES> 120,000
<SECURITIES-GAINS> 4,738
<EXPENSE-OTHER> 1,801,077
<INCOME-PRETAX> 1,408,532
<INCOME-PRE-EXTRAORDINARY> 1,101,532
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,101,532
<EPS-BASIC> 0.64
<EPS-DILUTED> 0.64
<YIELD-ACTUAL> 3.86
<LOANS-NON> 431,869
<LOANS-PAST> 626,035
<LOANS-TROUBLED> 375,301
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,731,096
<CHARGE-OFFS> 48,954
<RECOVERIES> 35,631
<ALLOWANCE-CLOSE> 1,837,773
<ALLOWANCE-DOMESTIC> 1,837,773
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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