APPALACHIAN BANCSHARES INC
10QSB, EX-27, 2000-08-14
STATE COMMERCIAL BANKS
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<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF APPALACHIAN BANCSHARES FOR THE SIX MONTHS ENDED JUNE 30,
2000 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1
<CURRENCY> U.S. DOLLARS

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<EXCHANGE-RATE>                                      1
<CASH>                                       4,914,256
<INT-BEARING-DEPOSITS>                          51,644
<FED-FUNDS-SOLD>                             2,895,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 34,718,065
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    210,567,971
<ALLOWANCE>                                  2,133,100
<TOTAL-ASSETS>                             265,560,814
<DEPOSITS>                                 207,662,114
<SHORT-TERM>                                 7,767,263
<LIABILITIES-OTHER>                          1,736,510
<LONG-TERM>                                 32,892,857
                                0
                                          0
<COMMON>                                        30,752
<OTHER-SE>                                  15,471,318
<TOTAL-LIABILITIES-AND-EQUITY>             265,560,814
<INTEREST-LOAN>                              8,857,184
<INTEREST-INVEST>                            1,057,425
<INTEREST-OTHER>                                86,025
<INTEREST-TOTAL>                            10,007,385
<INTEREST-DEPOSIT>                           5,021,760
<INTEREST-EXPENSE>                           6,048,687
<INTEREST-INCOME-NET>                        3,958,698
<LOAN-LOSSES>                                  650,000
<SECURITIES-GAINS>                              (6,680)
<EXPENSE-OTHER>                              2,904,728
<INCOME-PRETAX>                                887,151
<INCOME-PRE-EXTRAORDINARY>                     887,151
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   693,857
<EPS-BASIC>                                       0.25
<EPS-DILUTED>                                     0.24
<YIELD-ACTUAL>                                    3.07
<LOANS-NON>                                    450,518
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,978,428
<CHARGE-OFFS>                                  382,530
<RECOVERIES>                                    16,340
<ALLOWANCE-CLOSE>                            2,133,100
<ALLOWANCE-DOMESTIC>                         2,133,100
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>


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