TOMPKINS TRUSTCO INC
10-Q, EX-27, 2000-08-14
STATE COMMERCIAL BANKS
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<TABLE> <S> <C>

<ARTICLE>                       9
<CIK>                           0001005817
<NAME>                          Tompkins Trustco, Inc.
<MULTIPLIER>                    1,000

<S>                             <C>
<PERIOD-TYPE>                                  6-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-START>                                 JAN-01-2000
<PERIOD-END>                                   JUN-30-2000
<CASH>                                              50,133
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                     2,900
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                        303,050
<INVESTMENTS-CARRYING>                              28,674
<INVESTMENTS-MARKET>                                28,857
<LOANS>                                            806,002
<ALLOWANCE>                                          9,523
<TOTAL-ASSETS>                                   1,253,357
<DEPOSITS>                                         967,722
<SHORT-TERM>                                       106,012
<LIABILITIES-OTHER>                                 11,256
<LONG-TERM>                                         62,658
                                    0
                                              0
<COMMON>                                               705
<OTHER-SE>                                          98,480
<TOTAL-LIABILITIES-AND-EQUITY>                   1,253,357
<INTEREST-LOAN>                                     33,741
<INTEREST-INVEST>                                   10,267
<INTEREST-OTHER>                                       382
<INTEREST-TOTAL>                                    44,390
<INTEREST-DEPOSIT>                                  15,354
<INTEREST-EXPENSE>                                  18,531
<INTEREST-INCOME-NET>                               25,859
<LOAN-LOSSES>                                          514
<SECURITIES-GAINS>                                     189
<EXPENSE-OTHER>                                     19,219
<INCOME-PRETAX>                                     12,746
<INCOME-PRE-EXTRAORDINARY>                          12,746
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         8,514
<EPS-BASIC>                                           1.22
<EPS-DILUTED>                                         1.21
<YIELD-ACTUAL>                                        4.82
<LOANS-NON>                                          2,129
<LOANS-PAST>                                           153
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                     9,228
<CHARGE-OFFS>                                          449
<RECOVERIES>                                           230
<ALLOWANCE-CLOSE>                                    9,523
<ALLOWANCE-DOMESTIC>                                 9,523
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                              1,700


</TABLE>


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