CORNERSTONE BANCORP/SC
10QSB, EX-27, 2000-11-14
NATIONAL 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 September  30, 2000 and the unaudited
Consolidated  Statement of Income for the nine months ended  September  30, 2000
and is qualified in its entirety by reference to such financial statements.
</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>                                             969
<INT-BEARING-DEPOSITS>                             100
<FED-FUNDS-SOLD>                                 6,310
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      7,963
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         15,385
<ALLOWANCE>                                        187
<TOTAL-ASSETS>                                  32,447
<DEPOSITS>                                      21,479
<SHORT-TERM>                                     3,273
<LIABILITIES-OTHER>                                 73
<LONG-TERM>                                          0
                                0
                                          0
<COMMON>                                         7,985
<OTHER-SE>                                        (363)
<TOTAL-LIABILITIES-AND-EQUITY>                  32,447
<INTEREST-LOAN>                                    835
<INTEREST-INVEST>                                  404
<INTEREST-OTHER>                                   164
<INTEREST-TOTAL>                                 1,402
<INTEREST-DEPOSIT>                                 431
<INTEREST-EXPENSE>                                 534
<INTEREST-INCOME-NET>                              868
<LOAN-LOSSES>                                       82
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    782
<INCOME-PRETAX>                                     54
<INCOME-PRE-EXTRAORDINARY>                          43
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                        43
<EPS-BASIC>                                        .05
<EPS-DILUTED>                                      .05
<YIELD-ACTUAL>                                    4.33
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   105
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  187
<ALLOWANCE-DOMESTIC>                               187
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>


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