FNB BANCSHARES INC /SC/
10QSB, EX-27.1, 2000-07-27
NATIONAL COMMERCIAL BANKS
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<TABLE> <S> <C>


<ARTICLE>           9
<CIK>               0001009162
<NAME>              FNB Bancshares

<S>                        <C>
<PERIOD-TYPE>                     6-MOS
<FISCAL-YEAR-END>                 DEC-31-2000
<PERIOD-START>                    JAN-01-2000
<PERIOD-END>                      JUN-30-2000
<CASH>                            2,445,175
<INT-BEARING-DEPOSITS>                    0
<FED-FUNDS-SOLD>                  3,080,000
<TRADING-ASSETS>                          0
<INVESTMENTS-HELD-FOR-SALE>               0
<INVESTMENTS-CARRYING>            2,349,464
<INVESTMENTS-MARKET>              2,316,047
<LOANS>                          33,102,823
<ALLOWANCE>                        (424,105)
<TOTAL-ASSETS>                   43,699,360
<DEPOSITS>                       34,651,578
<SHORT-TERM>                      2,702,270
<LIABILITIES-OTHER>                 214,490
<LONG-TERM>                               0
                     0
                               0
<COMMON>                              6,163
<OTHER-SE>                        6,124,859
<TOTAL-LIABILITIES-AND-EQUITY>   43,699,360
<INTEREST-LOAN>                   1,484,511
<INTEREST-INVEST>                   100,384
<INTEREST-OTHER>                          0
<INTEREST-TOTAL>                  1,584,895
<INTEREST-DEPOSIT>                  540,691
<INTEREST-EXPENSE>                  585,991
<INTEREST-INCOME-NET>               998,904
<LOAN-LOSSES>                        75,000
<SECURITIES-GAINS>                        0
<EXPENSE-OTHER>                     911,416
<INCOME-PRETAX>                    (191,466)
<INCOME-PRE-EXTRAORDINARY>         (191,466)
<EXTRAORDINARY>                           0
<CHANGES>                                 0
<NET-INCOME>                        123,200
<EPS-BASIC>                             .20
<EPS-DILUTED>                           .20
<YIELD-ACTUAL>                         9.04
<LOANS-NON>                         134,794
<LOANS-PAST>                              0
<LOANS-TROUBLED>                          0
<LOANS-PROBLEM>                           0
<ALLOWANCE-OPEN>                    429,049
<CHARGE-OFFS>                        83,875
<RECOVERIES>                          3,931
<ALLOWANCE-CLOSE>                   424,105
<ALLOWANCE-DOMESTIC>                424,105
<ALLOWANCE-FOREIGN>                       0
<ALLOWANCE-UNALLOCATED>                   0


</TABLE>


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