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Previous: NSD BANCORP INC, 10-Q, 2000-11-14 |
Next: PHOENIX LEASING AMERICAN BUSINESS FUND LP, 10QSB, 2000-11-14 |
<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATE FINANCIAL INFORMATION INCORPORATED BY REFERENCE TO THE 2000 THIRD
QUARTER INCORPORATE FINANCIAL REVIEW AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 15,641,785
<INT-BEARING-DEPOSITS> 221,296
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 97,198,193
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 305,003,065
<ALLOWANCE> 3,404,986
<TOTAL-ASSETS> 425,671,648
<DEPOSITS> 293,279,389
<SHORT-TERM> 7,700,000
<LIABILITIES-OTHER> 6,828,138
<LONG-TERM> 86,254,200
0
0
<COMMON> 3,016,918
<OTHER-SE> 28,593,004
<TOTAL-LIABILITIES-AND-EQUITY> 425,671,648
<INTEREST-LOAN> 17,553,212
<INTEREST-INVEST> 5,190,016
<INTEREST-OTHER> 22,601
<INTEREST-TOTAL> 22,765,829
<INTEREST-DEPOSIT> 7,280,233
<INTEREST-EXPENSE> 10,695,844
<INTEREST-INCOME-NET> 12,069,985
<LOAN-LOSSES> 675,000
<SECURITIES-GAINS> (1,433)
<EXPENSE-OTHER> 7,298,064
<INCOME-PRETAX> 5,274,894
<INCOME-PRE-EXTRAORDINARY> 3,552,894
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 3,552,894
<EPS-BASIC> 1.22
<EPS-DILUTED> 1.22
<YIELD-ACTUAL> 4.22
<LOANS-NON> 744,113
<LOANS-PAST> 266,069
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> (3,088,257)
<CHARGE-OFFS> 387,004
<RECOVERIES> (28,733)
<ALLOWANCE-CLOSE> (3,404,986)
<ALLOWANCE-DOMESTIC> (2,863,142)
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> (541,844)
</TABLE>
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