<ARTICLE> 9 <CIK> 0000825953 <NAME> FIDELITY BANCSHARES (N.C.), INC. <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> SEP-30-2000 <CASH> 36,590,816 <INT-BEARING-DEPOSITS> 19,195,527 <FED-FUNDS-SOLD> 12,650,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 7,839,255 <INVESTMENTS-CARRYING> 142,840,759 <INVESTMENTS-MARKET> 141,498,693 <LOANS> 601,673,849 <ALLOWANCE> (6,848,193) <TOTAL-ASSETS> 571,165,692 <DEPOSITS> 741,702,487 <SHORT-TERM> 23,747,320 <LIABILITIES-OTHER> 7,643,936 <LONG-TERM> 23,000,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 6,878,112 <OTHER-SE> 68,193,837 <TOTAL-LIABILITIES-AND-EQUITY> 871,165,692 <INTEREST-LOAN> 41,432,452 <INTEREST-INVEST> 7,292,214 <INTEREST-OTHER> 574,104 <INTEREST-TOTAL> 49,298,770 <INTEREST-DEPOSIT> 19,967,805 <INTEREST-EXPENSE> 22,169,860 <INTEREST-INCOME-NET> 27,128,910 <LOAN-LOSSES> 1,875,000 <SECURITIES-GAINS> 106,572 <EXPENSE-OTHER> 21,019,811 <INCOME-PRETAX> 9,495,579 <INCOME-PRE-EXTRAORDINARY> 9,495,579 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 6,045,377 <EPS-BASIC> 214.73 <EPS-DILUTED> 214.73 <YIELD-ACTUAL> 4.75 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 5,141,647 <CHARGE-OFFS> 1,022,537 <RECOVERIES> 854,083 <ALLOWANCE-CLOSE> 6,848,193 <ALLOWANCE-DOMESTIC> 6,848,193 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 167,148