SOUTHWEST BANCORP OF TEXAS INC
10-Q, EX-27.1, 2000-08-14
NATIONAL COMMERCIAL BANKS
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<TABLE> <S> <C>

<ARTICLE>  9
<MULTIPLIER> 1000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                         172,350
<INT-BEARING-DEPOSITS>                           4,619
<FED-FUNDS-SOLD>                                76,200
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    678,864
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      2,191,276
<ALLOWANCE>                                     22,248
<TOTAL-ASSETS>                               3,255,316
<DEPOSITS>                                   2,498,512
<SHORT-TERM>                                   516,258
<LIABILITIES-OTHER>                             21,375
<LONG-TERM>                                      4,257
                                0
                                          0
<COMMON>                                        28,419
<OTHER-SE>                                     186,495
<TOTAL-LIABILITIES-AND-EQUITY>               3,255,316
<INTEREST-LOAN>                                 90,880
<INTEREST-INVEST>                               21,442
<INTEREST-OTHER>                                   866
<INTEREST-TOTAL>                               113,188
<INTEREST-DEPOSIT>                              38,680
<INTEREST-EXPENSE>                              50,356
<INTEREST-INCOME-NET>                           62,832
<LOAN-LOSSES>                                    3,250
<SECURITIES-GAINS>                                  (2)
<EXPENSE-OTHER>                                 46,600
<INCOME-PRETAX>                                 12,980
<INCOME-PRE-EXTRAORDINARY>                      18,722
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    18,722
<EPS-BASIC>                                       0.66
<EPS-DILUTED>                                     0.64
<YIELD-ACTUAL>                                    4.64
<LOANS-NON>                                      1,391
<LOANS-PAST>                                     1,242
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                19,716
<CHARGE-OFFS>                                      889
<RECOVERIES>                                       171
<ALLOWANCE-CLOSE>                               22,248
<ALLOWANCE-DOMESTIC>                            22,248
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>


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