Annual Report — Form 10-K
Filing Table of Contents
Document/Exhibit Description Pages Size
1: 10-K Annual Report 23 124K
6: EX-10.13 Lease Agreement 5 22K
2: EX-10.2 Deferred Compensation Plan 7 40K
3: EX-10.3 Stock Compensation Plan 15 79K
4: EX-10.4 1997 Directors' Stock Option Plan 7 34K
5: EX-10.5 2000 Stock Incentive Plan 11± 45K
7: EX-13 Annual Report to Shareholders 52 255K
8: EX-21 Subsidiaries of the Registrant 1 6K
9: EX-23 Consent of Independent Public Accountants 1 7K
10: EX-27 Financial Data Schedule 2± 8K
EX-27 — Financial Data Schedule
[Download Table]
<ARTICLE> 9
<MULTIPLIER> 1
<CURRENCY> U.S. DOLLARS
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-START> JAN-01-1999
<PERIOD-END> DEC-31-1999
<EXCHANGE-RATE> 1
<CASH> 26,159,675
<INT-BEARING-DEPOSITS> 679,096
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 0
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 43,342,807
<LOANS> 466,621,615
<ALLOWANCE> 6,863,367
<TOTAL-ASSETS> 568,441,837
<DEPOSITS> 462,998,148
<SHORT-TERM> 0
<LIABILITIES-OTHER> 5,296,142
<LONG-TERM> 46,878,036
<PREFERRED-MANDATORY> 0
<PREFERRED> 0
<COMMON> 16,418,081
<OTHER-SE> 24,401,430
<TOTAL-LIABILITIES-AND-EQUITY> 568,441,837
<INTEREST-LOAN> 40,457,210
<INTEREST-INVEST> 1,670,017
<INTEREST-OTHER> 421,879
<INTEREST-TOTAL> 42,549,106
<INTEREST-DEPOSIT> 18,281,860
<INTEREST-EXPENSE> 20,602,115
<INTEREST-INCOME-NET> 21,946,991
<LOAN-LOSSES> 1,456,544
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 15,937,503
<INCOME-PRETAX> 8,091,049
<INCOME-PRE-EXTRAORDINARY> 8,091,049
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 6,355,549
<EPS-BASIC> 0.90
<EPS-DILUTED> 0.89
<YIELD-ACTUAL> 5.13
<LOANS-NON> 95
<LOANS-PAST> 705,511
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 6,112,334
<CHARGE-OFFS> 807,652
<RECOVERIES> 102,141
<ALLOWANCE-CLOSE> 6,863,367
<ALLOWANCE-DOMESTIC> 6,863,367
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 2,096,000
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