CLOVER COMMUNITY BANKSHARES INC
10QSB, EX-27, 2000-08-11
STATE COMMERCIAL BANKS
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<TABLE> <S> <C>

<ARTICLE>      9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
unaudited  Consolidated  Balance  Sheet  at June  30,  2000  and  the  unaudited
Consolidated  Statement  of Income for the six months ended June 30, 2000 and is
qualified in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER>               1,000

<S>                                                                                                        <C>
<PERIOD-TYPE>                                                                                            6-MOS
<FISCAL-YEAR-END>                                                                                  DEC-31-2000
<PERIOD-END>                                                                                       JUN-30-2000
<CASH>                                                                                                   5,155
<INT-BEARING-DEPOSITS>                                                                                      17
<FED-FUNDS-SOLD>                                                                                         3,560
<TRADING-ASSETS>                                                                                             0
<INVESTMENTS-HELD-FOR-SALE>                                                                             17,197
<INVESTMENTS-CARRYING>                                                                                       0
<INVESTMENTS-MARKET>                                                                                         0
<LOANS>                                                                                                 29,069
<ALLOWANCE>                                                                                                253
<TOTAL-ASSETS>                                                                                          56,636
<DEPOSITS>                                                                                              45,234
<SHORT-TERM>                                                                                                 0
<LIABILITIES-OTHER>                                                                                        317
<LONG-TERM>                                                                                              4,000
                                                                                        0
                                                                                                  0
<COMMON>                                                                                                    10
<OTHER-SE>                                                                                               7,075
<TOTAL-LIABILITIES-AND-EQUITY>                                                                          56,636
<INTEREST-LOAN>                                                                                          1,488
<INTEREST-INVEST>                                                                                          541
<INTEREST-OTHER>                                                                                            96
<INTEREST-TOTAL>                                                                                         2,125
<INTEREST-DEPOSIT>                                                                                         641
<INTEREST-EXPENSE>                                                                                         769
<INTEREST-INCOME-NET>                                                                                    1,356
<LOAN-LOSSES>                                                                                                1
<SECURITIES-GAINS>                                                                                           0
<EXPENSE-OTHER>                                                                                            811
<INCOME-PRETAX>                                                                                            794
<INCOME-PRE-EXTRAORDINARY>                                                                                 556
<EXTRAORDINARY>                                                                                              0
<CHANGES>                                                                                                    0
<NET-INCOME>                                                                                               556
<EPS-BASIC>                                                                                                .55
<EPS-DILUTED>                                                                                              .55
<YIELD-ACTUAL>                                                                                            4.91
<LOANS-NON>                                                                                                 26
<LOANS-PAST>                                                                                                 0
<LOANS-TROUBLED>                                                                                             0
<LOANS-PROBLEM>                                                                                             43
<ALLOWANCE-OPEN>                                                                                           259
<CHARGE-OFFS>                                                                                                8
<RECOVERIES>                                                                                                 1
<ALLOWANCE-CLOSE>                                                                                          253
<ALLOWANCE-DOMESTIC>                                                                                       253
<ALLOWANCE-FOREIGN>                                                                                          0
<ALLOWANCE-UNALLOCATED>                                                                                      0


</TABLE>


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