MAIN STREET TRUST INC
10-Q, EX-27, 2000-11-13
COMMERCIAL BANKS, NEC
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<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1,000
<CURRENCY> US 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>                                                               45,325
<INT-BEARING-DEPOSITS>                                                  240
<FED-FUNDS-SOLD>                                                     14,276
<TRADING-ASSETS>                                                          0
<INVESTMENTS-HELD-FOR-SALE>                                         213,276
<INVESTMENTS-CARRYING>                                               87,640
<INVESTMENTS-MARKET>                                                 86,228
<LOANS>                                                             640,460
<ALLOWANCE>                                                           9,067
<TOTAL-ASSETS>                                                    1,044,968
<DEPOSITS>                                                          803,367
<SHORT-TERM>                                                         63,786
<LIABILITIES-OTHER>                                                  14,760
<LONG-TERM>                                                          40,993
<COMMON>                                                                106
                                                     0
                                                               0
<OTHER-SE>                                                          121,856
<TOTAL-LIABILITIES-AND-EQUITY>                                    1,044,968
<INTEREST-LOAN>                                                      40,436
<INTEREST-INVEST>                                                    13,159
<INTEREST-OTHER>                                                      1,187
<INTEREST-TOTAL>                                                     54,782
<INTEREST-DEPOSIT>                                                   22,205
<INTEREST-EXPENSE>                                                   26,654
<INTEREST-INCOME-NET>                                                28,128
<LOAN-LOSSES>                                                           458
<SECURITIES-GAINS>                                                       17
<EXPENSE-OTHER>                                                      26,724
<INCOME-PRETAX>                                                      13,300
<INCOME-PRE-EXTRAORDINARY>                                           13,300
<EXTRAORDINARY>                                                           0
<CHANGES>                                                                 0
<NET-INCOME>                                                          8,455
<EPS-BASIC>                                                            0.80
<EPS-DILUTED>                                                          0.78
<YIELD-ACTUAL>                                                         7.85
<LOANS-NON>                                                              88
<LOANS-PAST>                                                          1,158
<LOANS-TROUBLED>                                                         91
<LOANS-PROBLEM>                                                           0
<ALLOWANCE-OPEN>                                                      8,682
<CHARGE-OFFS>                                                           631
<RECOVERIES>                                                            558
<ALLOWANCE-CLOSE>                                                     9,067
<ALLOWANCE-DOMESTIC>                                                  9,067
<ALLOWANCE-FOREIGN>                                                       0
<ALLOWANCE-UNALLOCATED>                                                   0


</TABLE>


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