O A K FINANCIAL CORP
10-Q, EX-27, 2000-11-14
STATE COMMERCIAL BANKS
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<TABLE> <S> <C>


<ARTICLE>                                            9

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-START>                                 JAN-01-2000
<PERIOD-END>                                   SEP-30-2000
<CASH>                                           9,639,527
<INT-BEARING-DEPOSITS>                         264,945,091
<FED-FUNDS-SOLD>                                         0
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<INVESTMENTS-MARKET>                            67,347,663
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<ALLOWANCE>                                      4,338,580
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<SHORT-TERM>                                    43,743,176
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                                    0
                                              0
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<INTEREST-OTHER>                                       634
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<INTEREST-EXPENSE>                              11,839,316
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<LOAN-LOSSES>                                    1,200,000
<SECURITIES-GAINS>                                  86,917
<EXPENSE-OTHER>                                  8,920,024
<INCOME-PRETAX>                                  4,872,284
<INCOME-PRE-EXTRAORDINARY>                               0
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                     3,648,584
<EPS-BASIC>                                           1.79
<EPS-DILUTED>                                         1.79
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<LOANS-NON>                                      1,827,000
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