<TABLE> <S> <C>

<ARTICLE>           9
<CIK>               0000825953
<NAME>              FIDELITY BANCSHARES (N.C.), INC.

<PERIOD-TYPE>                                12-MOS
<S>                                                               <C>
<FISCAL-YEAR-END>                                             DEC-31-1999
<PERIOD-START>                                                JAN-01-1999
<PERIOD-END>                                                  DEC-31-1999
<CASH>                                                         31,510,348
<INT-BEARING-DEPOSITS>                                         40,747,611
<FED-FUNDS-SOLD>                                               22,600,000
<TRADING-ASSETS>                                                        0
<INVESTMENTS-HELD-FOR-SALE>                                     7,749,252
<INVESTMENTS-CARRYING>                                        135,006,444
<INVESTMENTS-MARKET>                                          132,844,175
<LOANS>                                                       551,148,143
<ALLOWANCE>                                                     5,141,647
<TOTAL-ASSETS>                                                839,087,631
<DEPOSITS>                                                    716,013,626
<SHORT-TERM>                                                   22,972,551
<LIABILITIES-OTHER>                                             7,206,755
<LONG-TERM>                                                    23,000,000
<PREFERRED-MANDATORY>                                                   0
<PREFERRED>                                                             0
<COMMON>                                                        6,902,616
<OTHER-SE>                                                     62,992,083
<TOTAL-LIABILITIES-AND-EQUITY>                                839,087,631
<INTEREST-LOAN>                                                45,264,188
<INTEREST-INVEST>                                               8,350,444
<INTEREST-OTHER>                                                1,764,036
<INTEREST-TOTAL>                                               55,378,668
<INTEREST-DEPOSIT>                                             21,484,771
<INTEREST-EXPENSE>                                             23,213,296
<INTEREST-INCOME-NET>                                          32,165,372
<LOAN-LOSSES>                                                   1,200,000
<SECURITIES-GAINS>                                                      0
<EXPENSE-OTHER>                                                24,043,702
<INCOME-PRETAX>                                                12,104,821
<INCOME-PRE-EXTRAORDINARY>                                     12,104,821
<EXTRAORDINARY>                                                         0
<CHANGES>                                                               0
<NET-INCOME>                                                    7,636,649
<EPS-BASIC>                                                        270.05
<EPS-DILUTED>                                                      270.05
<YIELD-ACTUAL>                                                       4.70
<LOANS-NON>                                                             0
<LOANS-PAST>                                                            0
<LOANS-TROUBLED>                                                        0
<LOANS-PROBLEM>                                                         0
<ALLOWANCE-OPEN>                                                4,601,000
<CHARGE-OFFS>                                                   1,633,754
<RECOVERIES>                                                      694,401
<ALLOWANCE-CLOSE>                                               5,141,647
<ALLOWANCE-DOMESTIC>                                            5,141,647
<ALLOWANCE-FOREIGN>                                                     0
<ALLOWANCE-UNALLOCATED>                                           589,880


</TABLE>