On August 6, 1998, at 1100 eastern daylight time, a Cessna 172, N4103F, collided with a ditch, according to the pilot, on the departure end of runway 06 at the Ocean Isle Beach airport in Ocean Isle Beach, North Carolina. The personal flight operated under the provisions of Title 14 CFR Part 91 with no flight plan filed. A review of weather data from the nearest reporting facility disclosed that visual weather conditions prevailed at the time of the accident. An examination of the airplane at the accident site disclosed that the airframe received substantial damage. The private pilot received minor injuries. The airplane departed Ocean Isle Beach, North Carolina, at 1030. The pilot reported that she had completed a routine pleasure flight and had returned to Ocean Isle Beach for a full stop landing. As she turned final for the landing, she realized that another airplane was behind her in the traffic pattern. At this point she elected to maintain a higher than normal airspeed and altitude on final. The pilot reported that the airplane touched down about 2000 feet down the 4000 foot long runway. The airplane rolled off the departure end of the runway, crossed a two lane road, and collided with a ditch. The pilot also recalled that there was a slight cross wind during the landing, and as she applied brakes to stop the airplane, the brakes appeared to have been ineffective in slowing the airplane. No mechanical problems with the airplane were reported by the pilot.