HIGHLANDS BANKSHARES INC /VA/
10-Q, EX-27.1, 2000-11-14
STATE COMMERCIAL BANKS
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<TABLE> <S> <C>

<ARTICLE> 9

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-30-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                          11,698
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 2,797
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     82,002
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        286,651
<ALLOWANCE>                                      2,893
<TOTAL-ASSETS>                                 395,506
<DEPOSITS>                                     338,361
<SHORT-TERM>                                     5,143
<LIABILITIES-OTHER>                             10,829
<LONG-TERM>                                     18,609
                                0
                                          0
<COMMON>                                         3,295
<OTHER-SE>                                      19,269
<TOTAL-LIABILITIES-AND-EQUITY>                 395,506
<INTEREST-LOAN>                                 18,336
<INTEREST-INVEST>                                3,894
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                22,230
<INTEREST-DEPOSIT>                              11,261
<INTEREST-EXPENSE>                              12,817
<INTEREST-INCOME-NET>                            9,413
<LOAN-LOSSES>                                      973
<SECURITIES-GAINS>                                (96)
<EXPENSE-OTHER>                                  7,027
<INCOME-PRETAX>                                  3,183
<INCOME-PRE-EXTRAORDINARY>                       2,220
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,220
<EPS-BASIC>                                        .84
<EPS-DILUTED>                                      .82
<YIELD-ACTUAL>                                    3.58
<LOANS-NON>                                      1,266
<LOANS-PAST>                                       516
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,494
<CHARGE-OFFS>                                      694
<RECOVERIES>                                       120
<ALLOWANCE-CLOSE>                                2,893
<ALLOWANCE-DOMESTIC>                             2,893
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>


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