EBANK COM INC
10QSB, EX-27.1, 2000-08-14
NATIONAL COMMERCIAL BANKS
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<TABLE> <S> <C>

     <ARTICLE>      9
     <CIK>          0001050725
     <NAME>         ebank.com, Inc.

<S>                                 <C>
            <PERIOD-TYPE>                       6-Mos
            <FISCAL-YEAR-END>                   DEC-31-2000
            <PERIOD-START>                      JAN-31-2000
            <PERIOD-END>                        JUN-30-2000
            <CASH>                              2,171,789
            <INT-BEARING-DEPOSITS>              0
            <FED-FUNDS-SOLD>                    9,220,000
            <TRADING-ASSETS>                    0
            <INVESTMENTS-HELD-FOR-SALE>         97,500
            <INVESTMENTS-CARRYING>              65,553
            <INVESTMENTS-MARKET>                0
            <LOANS>                             55,064,430
            <ALLOWANCE>                         (844,000)
            <TOTAL-ASSETS>                      69,429,227
            <DEPOSITS>                          62,306,579
            <SHORT-TERM>                        0
            <LIABILITIES-OTHER>                 961,234
            <LONG-TERM>                         0
                           0
                                     0
            <COMMON>                            14,402,697
            <OTHER-SE>                          (8,241,283)
            <TOTAL-LIABILITIES-AND-EQUITY>      69,429,227
            <INTEREST-LOAN>                     2,551,072
            <INTEREST-INVEST>                   82,021
            <INTEREST-OTHER>                    0
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            <INTEREST-EXPENSE>                  1,280,962
            <INTEREST-INCOME-NET>               1,352,131
            <LOAN-LOSSES>                       114,000
            <SECURITIES-GAINS>                  0
            <EXPENSE-OTHER>                     5,681,649
            <INCOME-PRETAX>                     (4,395,312)
            <INCOME-PRE-EXTRAORDINARY>          (4,395,312)
            <EXTRAORDINARY>                     0
            <CHANGES>                           0
            <NET-INCOME>                        (4,395,312)
            <EPS-BASIC>                         (2.81)
            <EPS-DILUTED>                       (2.81)
            <YIELD-ACTUAL>                      5.03
            <LOANS-NON>                         0
            <LOANS-PAST>                        74,586
            <LOANS-TROUBLED>                    0
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            <ALLOWANCE-OPEN>                    730,000
            <CHARGE-OFFS>                       0
            <RECOVERIES>                        0
            <ALLOWANCE-CLOSE>                   844,000
            <ALLOWANCE-DOMESTIC>                0
            <ALLOWANCE-FOREIGN>                 0
            <ALLOWANCE-UNALLOCATED>             844,000


</TABLE>


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