EBANK COM INC
10QSB, EX-27.1, 2000-11-14
NATIONAL COMMERCIAL BANKS
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<TABLE> <S> <C>

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

<S>                                 <C>
            <PERIOD-TYPE>                       9-Mos
            <FISCAL-YEAR-END>                   DEC-31-2000
            <PERIOD-START>                      JAN-31-2000
            <PERIOD-END>                        SEP-30-2000
            <CASH>                              872,673
            <INT-BEARING-DEPOSITS>              0
            <FED-FUNDS-SOLD>                    9,700,000
            <TRADING-ASSETS>                    0
            <INVESTMENTS-HELD-FOR-SALE>         97,500
            <INVESTMENTS-CARRYING>              65,600
            <INVESTMENTS-MARKET>                0
            <LOANS>                             62,128,528
            <ALLOWANCE>                         (941,262)
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            <SHORT-TERM>                        2,579,645
            <LIABILITIES-OTHER>                 1,031,600
            <LONG-TERM>                         124,934
                           0
                                     0
            <COMMON>                            13,736,765
            <OTHER-SE>                          (9,324,894)
            <TOTAL-LIABILITIES-AND-EQUITY>      75,924,205
            <INTEREST-LOAN>                     4,092,553
            <INTEREST-INVEST>                   282,612
            <INTEREST-OTHER>                    0
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            <INTEREST-EXPENSE>                  2,288,823
            <INTEREST-INCOME-NET>               2,086,342
            <LOAN-LOSSES>                       236,000
            <SECURITIES-GAINS>                  0
            <EXPENSE-OTHER>                     7,402,161
            <INCOME-PRETAX>                     (5,478,922)
            <INCOME-PRE-EXTRAORDINARY>          (5,478,922)
            <EXTRAORDINARY>                     0
            <CHANGES>                           0
            <NET-INCOME>                        (5,478,922)
            <EPS-BASIC>                         (3.71)
            <EPS-DILUTED>                       (3.71)
            <YIELD-ACTUAL>                      4.58
            <LOANS-NON>                         0
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            <CHARGE-OFFS>                       24,738
            <RECOVERIES>                        0
            <ALLOWANCE-CLOSE>                   941,262
            <ALLOWANCE-DOMESTIC>                243,210
            <ALLOWANCE-FOREIGN>                 0
            <ALLOWANCE-UNALLOCATED>             698,052


</TABLE>


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