<ARTICLE> 9 <CIK> 0001010476 <NAME> POTTERS FINANCIAL CORPORATION <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> JUN-30-1999 <CASH> 4,007 <INT-BEARING-DEPOSITS> 900 <FED-FUNDS-SOLD> 689 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 22,378 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 107,881 <ALLOWANCE> 2,123 <TOTAL-ASSETS> 139,021 <DEPOSITS> 106,728 <SHORT-TERM> 1,516 <LIABILITIES-OTHER> 1,129 <LONG-TERM> 19,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 5,418 <OTHER-SE> 5,230 <TOTAL-LIABILITIES-AND-EQUITY> 139,021 <INTEREST-LOAN> 4,074 <INTEREST-INVEST> 721 <INTEREST-OTHER> 93 <INTEREST-TOTAL> 4,888 <INTEREST-DEPOSIT> 2,008 <INTEREST-EXPENSE> 2,496 <INTEREST-INCOME-NET> 2,392 <LOAN-LOSSES> (75) <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,705 <INCOME-PRETAX> 996 <INCOME-PRE-EXTRAORDINARY> 996 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 653 <EPS-BASIC> 0.67 <EPS-DILUTED> 0.65 <YIELD-ACTUAL> 3.70 <LOANS-NON> 256 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 226 <ALLOWANCE-OPEN> 2,211 <CHARGE-OFFS> 32 <RECOVERIES> 19 <ALLOWANCE-CLOSE> 2,123 <ALLOWANCE-DOMESTIC> 1,157 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 966