A quick program/program verify architecture with an intelligent verify circuit for 3-V-only NAND-EEPROMs is described. The verify circuit, which is composed of two transistors, provides a simple, intelligent program algorithm for 3-V-only operation. The total programming time is reduced to 50%. By using intelligent verify circuits, the memory cells which require more time to reach the program state are automatically detected. Verify-read, the modification of program data, and data reload are performed simultaneously. The chip size penalty is estimated to be only 1% for a 16-Mb NAND-EEPROM.<<ETX>>