<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
FIDELITY BANKSHARES, INC. AND SUBSIDIARY
Exhibit 27 - FINANCIAL DATA SCHEDULE
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION
EXTRACTED FROM THE CONSOLIDATED BALANCE SHEET AS OF
SEPTEMBER 30, 2000 AND THE CONSOLIDATED STATEMENT OF
OPERATIONS FOR THREE MONTHS ENDED SEPTEMBER 30, 2000
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<S> <C>
<PERIOD-TYPE> 3-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-END> SEP-30-2000
<CASH> 47,027
<INT-BEARING-DEPOSITS> 3,917
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 425,509
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 1,328,192
<ALLOWANCE> 466
<TOTAL-ASSETS> 1,904,850
<DEPOSITS> 1,412,433
<SHORT-TERM> 16,763
<LIABILITIES-OTHER> 33,744
<LONG-TERM> 355,039
<COMMON> 684
0
0
<OTHER-SE> 86,187
<TOTAL-LIABILITIES-AND-EQUITY> 1,904,850
<INTEREST-LOAN> 25,877
<INTEREST-INVEST> 1,349
<INTEREST-OTHER> 7,220
<INTEREST-TOTAL> 34,446
<INTEREST-DEPOSIT> 16,539
<INTEREST-EXPENSE> 6,100
<INTEREST-INCOME-NET> 11,807
<LOAN-LOSSES> 363
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 11,464
<INCOME-PRETAX> 2,963
<INCOME-PRE-EXTRAORDINARY> 2,963
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,847
<EPS-BASIC> 0.28
<EPS-DILUTED> 0.28
<YIELD-ACTUAL> 2.77
<LOANS-NON> 3,798
<LOANS-PAST> 0
<LOANS-TROUBLED> 87
<LOANS-PROBLEM> 6,439
<ALLOWANCE-OPEN> 4,117
<CHARGE-OFFS> 14
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 4,466
<ALLOWANCE-DOMESTIC> 505
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 3,961
</TABLE>