FIRST NATIONAL BANCSHARES INC /SC/
10QSB, EX-27, 2000-11-14
NATIONAL COMMERCIAL BANKS
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<TABLE> <S> <C>

<ARTICLE>                      9
<CIK>                          0001095274
<NAME>                         First National of Spartanburg

<S>                             <C>
<PERIOD-TYPE>                    9-MOS
<FISCAL-YEAR-END>                DEC-31-2000
<PERIOD-START>                   JAN-01-2000
<PERIOD-END>                     SEP-30-2000
<CASH>                           365,649
<INT-BEARING-DEPOSITS>           0
<FED-FUNDS-SOLD>                 9,990,000
<TRADING-ASSETS>                 0
<INVESTMENTS-HELD-FOR-SALE>      5,246,803
<INVESTMENTS-CARRYING>           0
<INVESTMENTS-MARKET>             0
<LOANS>                          23,401,228
<ALLOWANCE>                      257,414
<TOTAL-ASSETS>                   41,476,044
<DEPOSITS>                       29,903,281
<SHORT-TERM>                     0
<LIABILITIES-OTHER>              413,860
<LONG-TERM>                      0
            0
                      0
<COMMON>                         12,000
<OTHER-SE>                       11,146,903
<TOTAL-LIABILITIES-AND-EQUITY>   41,076,044
<INTEREST-LOAN>                  608,435
<INTEREST-INVEST>                243,387
<INTEREST-OTHER>                 448,460
<INTEREST-TOTAL>                 1,300,282
<INTEREST-DEPOSIT>               554,128
<INTEREST-EXPENSE>               560,609
<INTEREST-INCOME-NET>            739,673
<LOAN-LOSSES>                    257,414
<SECURITIES-GAINS>               0
<EXPENSE-OTHER>                  927,808
<INCOME-PRETAX>                  (431,462)
<INCOME-PRE-EXTRAORDINARY>       (431,462)
<EXTRAORDINARY>                  0
<CHANGES>                        0
<NET-INCOME>                     (431,462)
<EPS-BASIC>                      (.36)
<EPS-DILUTED>                    (.36)
<YIELD-ACTUAL>                   4.0
<LOANS-NON>                      0
<LOANS-PAST>                     967
<LOANS-TROUBLED>                 0
<LOANS-PROBLEM>                  0
<ALLOWANCE-OPEN>                 0
<CHARGE-OFFS>                    0
<RECOVERIES>                     0
<ALLOWANCE-CLOSE>                257,414
<ALLOWANCE-DOMESTIC>             257,414
<ALLOWANCE-FOREIGN>              0
<ALLOWANCE-UNALLOCATED>          257,414


</TABLE>


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