NORWOOD FINANCIAL CORP
10-Q, EX-27, 2000-08-10
STATE COMMERCIAL BANKS
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<TABLE> <S> <C>


<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
     TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000

<S>                                       <C>
<PERIOD-TYPE>                                 6-MOS
<FISCAL-YEAR-END>                             DEC-31-2000
<PERIOD-END>                                  JUN-30-2000
<CASH>                                          6,858
<INT-BEARING-DEPOSITS>                              0
<FED-FUNDS-SOLD>                                    0
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                    82,726
<INVESTMENTS-CARRYING>                          7,480
<INVESTMENTS-MARKET>                            7,549
<LOANS>                                       211,551
<ALLOWANCE>                                     3,381
<TOTAL-ASSETS>                                320,525
<DEPOSITS>                                    241,854
<SHORT-TERM>                                   17,601
<LIABILITIES-OTHER>                             5,163
<LONG-TERM>                                    28,000
                               0
                                         0
<COMMON>                                          180
<OTHER-SE>                                     27,727
<TOTAL-LIABILITIES-AND-EQUITY>                320,525
<INTEREST-LOAN>                                 8,807
<INTEREST-INVEST>                               2,854
<INTEREST-OTHER>                                   11
<INTEREST-TOTAL>                               11,672
<INTEREST-DEPOSIT>                              4,109
<INTEREST-EXPENSE>                              5,253
<INTEREST-INCOME-NET>                           6,419
<LOAN-LOSSES>                                     215
<SECURITIES-GAINS>                                  1
<EXPENSE-OTHER>                                 4,889
<INCOME-PRETAX>                                 2,503
<INCOME-PRE-EXTRAORDINARY>                      2,503
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                    1,812
<EPS-BASIC>                                      1.09
<EPS-DILUTED>                                    1.09
<YIELD-ACTUAL>                                   4.44
<LOANS-NON>                                       551
<LOANS-PAST>                                        0
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                3,344
<CHARGE-OFFS>                                     337
<RECOVERIES>                                      159
<ALLOWANCE-CLOSE>                               3,381
<ALLOWANCE-DOMESTIC>                            3,381
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                         1,028



</TABLE>


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