MICHIGAN HERITAGE BANCORP INC
10QSB, EX-27, 2000-11-13
STATE COMMERCIAL BANKS
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<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER>                               1,000

<S>                                        <C>
<PERIOD-TYPE>                              9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                            1505
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<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      13270
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                          90526
<ALLOWANCE>                                       2008
<TOTAL-ASSETS>                                  116088
<DEPOSITS>                                      101343
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                               2649
<LONG-TERM>                                          0
                                0
                                          0
<COMMON>                                         13730
<OTHER-SE>                                      (1634)
<TOTAL-LIABILITIES-AND-EQUITY>                  116088
<INTEREST-LOAN>                                   5987
<INTEREST-INVEST>                                 1088
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                  7075
<INTEREST-DEPOSIT>                                4056
<INTEREST-EXPENSE>                                4056
<INTEREST-INCOME-NET>                             3019
<LOAN-LOSSES>                                       45
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                   2537
<INCOME-PRETAX>                                    548
<INCOME-PRE-EXTRAORDINARY>                         548
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       370
<EPS-BASIC>                                       0.25
<EPS-DILUTED>                                     0.25
<YIELD-ACTUAL>                                    3.88
<LOANS-NON>                                        230
<LOANS-PAST>                                       446
<LOANS-TROUBLED>                                     0
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<ALLOWANCE-OPEN>                                  1987
<CHARGE-OFFS>                                       24
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                 2008
<ALLOWANCE-DOMESTIC>                               650
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                           1358


</TABLE>


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