PENSECO FINANCIAL SERVICES CORP
10-Q, EX-27, 2000-11-14
STATE COMMERCIAL BANKS
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<TABLE> <S> <C>


<ARTICLE>                                            9
<CIK>                                       0001054508
<NAME>          PENSECO FINANCIAL SERVICES CORPORATION
<MULTIPLIER>                                     1,000
<CURRENCY>                                U.S. DOLLARS

<S>                                        <C>
<PERIOD-TYPE>                                    9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<EXCHANGE-RATE>                                      1
<CASH>                                          12,237
<INT-BEARING-DEPOSITS>                              63
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    103,757
<INVESTMENTS-CARRYING>                          20,456
<INVESTMENTS-MARKET>                            20,392
<LOANS>                                        307,189
<ALLOWANCE>                                      3,100
<TOTAL-ASSETS>                                 459,440
<DEPOSITS>                                     383,827
<SHORT-TERM>                                    23,684
<LIABILITIES-OTHER>                              3,286
<LONG-TERM>                                          0
                                0
                                          0
<COMMON>                                            21
<OTHER-SE>                                      48,622
<TOTAL-LIABILITIES-AND-EQUITY>                 459,440
<INTEREST-LOAN>                                 17,457
<INTEREST-INVEST>                                4,670
<INTEREST-OTHER>                                   731
<INTEREST-TOTAL>                                22,858
<INTEREST-DEPOSIT>                               9,279
<INTEREST-EXPENSE>                               9,910
<INTEREST-INCOME-NET>                           12,948
<LOAN-LOSSES>                                      220
<SECURITIES-GAINS>                                (354)
<EXPENSE-OTHER>                                 14,624
<INCOME-PRETAX>                                  4,316
<INCOME-PRE-EXTRAORDINARY>                       4,316
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,427
<EPS-BASIC>                                       1.60
<EPS-DILUTED>                                     1.60
<YIELD-ACTUAL>                                    7.10
<LOANS-NON>                                      1,696
<LOANS-PAST>                                       339
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,950
<CHARGE-OFFS>                                      118
<RECOVERIES>                                        48
<ALLOWANCE-CLOSE>                                3,100
<ALLOWANCE-DOMESTIC>                             3,100
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0



</TABLE>


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