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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
financial statements as of and for the period ended June 30, 2000, and is
qualified in its entirety by reference to such financial statements.
</LEGEND>
<CIK> 0001043056
<NAME> TALBOT BANCSHARES, INC.
<MULTIPLIER> 1000
<CURRENCY> U.S. DOLLARS
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<EXCHANGE-RATE> 1
<CASH> 7,673
<INT-BEARING-DEPOSITS> 49
<FED-FUNDS-SOLD> 11,197
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 62,517
<INVESTMENTS-CARRYING> 6,318
<INVESTMENTS-MARKET> 6,171
<LOANS> 229,056
<ALLOWANCE> 2,803
<TOTAL-ASSETS> 324,601
<DEPOSITS> 264,400
<SHORT-TERM> 21,690
<LIABILITIES-OTHER> 991
<LONG-TERM> 0
0
0
<COMMON> 12
<OTHER-SE> 37,508
<TOTAL-LIABILITIES-AND-EQUITY> 324,601
<INTEREST-LOAN> 9,601
<INTEREST-INVEST> 2,131
<INTEREST-OTHER> 268
<INTEREST-TOTAL> 12,000
<INTEREST-DEPOSIT> 4,853
<INTEREST-EXPENSE> 5,284
<INTEREST-INCOME-NET> 6,716
<LOAN-LOSSES> 114
<SECURITIES-GAINS> 12
<EXPENSE-OTHER> 3,408
<INCOME-PRETAX> 3,781
<INCOME-PRE-EXTRAORDINARY> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,453
<EPS-BASIC> 2.05
<EPS-DILUTED> 2.02
<YIELD-ACTUAL> 7.85
<LOANS-NON> 502
<LOANS-PAST> 248
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 3,257
<ALLOWANCE-OPEN> 2,743
<CHARGE-OFFS> 81
<RECOVERIES> 927
<ALLOWANCE-CLOSE> 2,803
<ALLOWANCE-DOMESTIC> 2,803
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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