MICHIGAN HERITAGE BANCORP INC
10QSB, EX-27, 2000-08-10
STATE COMMERCIAL BANKS
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<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                             246
<INT-BEARING-DEPOSITS>                           1,290
<FED-FUNDS-SOLD>                                 4,450
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     15,683
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         82,767
<ALLOWANCE>                                      1,998
<TOTAL-ASSETS>                                 104,610
<DEPOSITS>                                      91,486
<SHORT-TERM>                                       370
<LIABILITIES-OTHER>                                813
<LONG-TERM>                                          0
                                0
                                          0
<COMMON>                                        13,730
<OTHER-SE>                                     (1,789)
<TOTAL-LIABILITIES-AND-EQUITY>                 104,610
<INTEREST-LOAN>                                  3,913
<INTEREST-INVEST>                                  732
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 4,645
<INTEREST-DEPOSIT>                               2,626
<INTEREST-EXPENSE>                               2,626
<INTEREST-INCOME-NET>                            2,019
<LOAN-LOSSES>                                       30
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,682
<INCOME-PRETAX>                                    376
<INCOME-PRE-EXTRAORDINARY>                         376
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       253
<EPS-BASIC>                                       0.17
<EPS-DILUTED>                                     0.17
<YIELD-ACTUAL>                                    3.93
<LOANS-NON>                                          0
<LOANS-PAST>                                       321
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,987
<CHARGE-OFFS>                                       19
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                1,998
<ALLOWANCE-DOMESTIC>                               743
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,255


</TABLE>


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