AMERICAN COMMUNITY BANCSHARES INC
10QSB, EX-27, 2000-11-08
BLANK CHECKS
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<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                              JAN-1-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                           1,078
<INT-BEARING-DEPOSITS>                          24,575
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                        150
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         98,153
<ALLOWANCE>                                      1,297
<TOTAL-ASSETS>                                 127,200
<DEPOSITS>                                     108,412
<SHORT-TERM>                                     5,000
<LIABILITIES-OTHER>                                811
<LONG-TERM>                                      1,701
                                0
                                          0
<COMMON>                                         1,492
<OTHER-SE>                                       9,784
<TOTAL-LIABILITIES-AND-EQUITY>                 127,200
<INTEREST-LOAN>                                  5,701
<INTEREST-INVEST>                                   14
<INTEREST-OTHER>                                   559
<INTEREST-TOTAL>                                 6,274
<INTEREST-DEPOSIT>                               2,924
<INTEREST-EXPENSE>                               3,281
<INTEREST-INCOME-NET>                            2,993
<LOAN-LOSSES>                                      516
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,354
<INCOME-PRETAX>                                  (277)
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     (277)
<EPS-BASIC>                                     (0.19)
<EPS-DILUTED>                                   (0.19)
<YIELD-ACTUAL>                                    4.36
<LOANS-NON>                                         67
<LOANS-PAST>                                        33
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   813
<CHARGE-OFFS>                                       32
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                1,297
<ALLOWANCE-DOMESTIC>                             1,297
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>


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