AMERICAN COMMUNITY BANCSHARES INC
10QSB, EX-27, 2000-08-14
BLANK CHECKS
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<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                           1,419
<INT-BEARING-DEPOSITS>                          12,139
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                        149
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         88,276
<ALLOWANCE>                                      1,187
<TOTAL-ASSETS>                                 105,051
<DEPOSITS>                                      83,264
<SHORT-TERM>                                     8,500
<LIABILITIES-OTHER>                                367
<LONG-TERM>                                      1,701
                                0
                                          0
<COMMON>                                         1,492
<OTHER-SE>                                       9,727
<TOTAL-LIABILITIES-AND-EQUITY>                 105,051
<INTEREST-LOAN>                                  3,423
<INTEREST-INVEST>                                   12
<INTEREST-OTHER>                                   270
<INTEREST-TOTAL>                                 3,705
<INTEREST-DEPOSIT>                               1,612
<INTEREST-EXPENSE>                               1,841
<INTEREST-INCOME-NET>                            1,864
<LOAN-LOSSES>                                      401
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,160
<INCOME-PRETAX>                                      0
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     (333)
<EPS-BASIC>                                       0.22
<EPS-DILUTED>                                     0.22
<YIELD-ACTUAL>                                    4.50
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   813
<CHARGE-OFFS>                                       27
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                1,187
<ALLOWANCE-DOMESTIC>                             1,187
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>


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