VIRGINIA CAPITAL BANCSHARES INC
10-Q, EX-27, 2000-11-13
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE FORM
10-Q FOR THE NINE MONTHS ENDED SEPTEMBER 30, 2000 AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO THE UNAUDITED FINANCIAL STATEMENTS CONTAINED THEREIN.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                           1,041
<INT-BEARING-DEPOSITS>                          11,348
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     62,439
<INVESTMENTS-CARRYING>                             583
<INVESTMENTS-MARKET>                               591
<LOANS>                                        451,052
<ALLOWANCE>                                    (5,677)
<TOTAL-ASSETS>                                 537,264
<DEPOSITS>                                     365,920
<SHORT-TERM>                                     5,000
<LIABILITIES-OTHER>                             12,772
<LONG-TERM>                                          0
                                0
                                          0
<COMMON>                                            93
<OTHER-SE>                                     153,479
<TOTAL-LIABILITIES-AND-EQUITY>                 537,264
<INTEREST-LOAN>                                 25,543
<INTEREST-INVEST>                                3,830
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                29,373
<INTEREST-DEPOSIT>                              13,201
<INTEREST-EXPENSE>                              13,599
<INTEREST-INCOME-NET>                           15,774
<LOAN-LOSSES>                                       25
<SECURITIES-GAINS>                                (54)
<EXPENSE-OTHER>                                  6,184
<INCOME-PRETAX>                                  9,775
<INCOME-PRE-EXTRAORDINARY>                       9,775
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     6,071
<EPS-BASIC>                                       0.68
<EPS-DILUTED>                                     0.68
<YIELD-ACTUAL>                                    7.40
<LOANS-NON>                                      2,326
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 1,767
<LOANS-PROBLEM>                                  1,838
<ALLOWANCE-OPEN>                                 5,689
<CHARGE-OFFS>                                       62
<RECOVERIES>                                        25
<ALLOWANCE-CLOSE>                                5,677
<ALLOWANCE-DOMESTIC>                             3,402
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,275


</TABLE>


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