TRI STATE 1ST BANK INC
10QSB, EX-27, 2000-08-14
NATIONAL COMMERCIAL BANKS
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<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               JUN-30-2000
<CASH>                                           6,884
<INT-BEARING-DEPOSITS>                              63
<FED-FUNDS-SOLD>                                 4,025
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     21,720
<INVESTMENTS-CARRYING>                           1,858
<INVESTMENTS-MARKET>                             1,855
<LOANS>                                         36,938
<ALLOWANCE>                                        416
<TOTAL-ASSETS>                                  74,238
<DEPOSITS>                                      60,820
<SHORT-TERM>                                     5,387
<LIABILITIES-OTHER>                                266
<LONG-TERM>                                          0
                                0
                                          0
<COMMON>                                         6,571
<OTHER-SE>                                       1,194
<TOTAL-LIABILITIES-AND-EQUITY>                  74,238
<INTEREST-LOAN>                                  1,624
<INTEREST-INVEST>                                  656
<INTEREST-OTHER>                                   125
<INTEREST-TOTAL>                                 2,405
<INTEREST-DEPOSIT>                                 856
<INTEREST-EXPENSE>                                 965
<INTEREST-INCOME-NET>                            1,440
<LOAN-LOSSES>                                       52
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,310
<INCOME-PRETAX>                                    408
<INCOME-PRE-EXTRAORDINARY>                         408
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       353
<EPS-BASIC>                                       0.54
<EPS-DILUTED>                                     0.53
<YIELD-ACTUAL>                                    4.58
<LOANS-NON>                                         30
<LOANS-PAST>                                        95
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   375
<CHARGE-OFFS>                                       35
<RECOVERIES>                                        24
<ALLOWANCE-CLOSE>                                  416
<ALLOWANCE-DOMESTIC>                               416
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            104


</TABLE>


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