VALLEY COMMUNITY BANCSHARES INC
10-Q, EX-27, 2000-08-14
STATE COMMERCIAL BANKS
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<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FORM 10-Q
JUNE 30, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<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>                                           7,428
<INT-BEARING-DEPOSITS>                           8,825
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     31,022
<INVESTMENTS-CARRYING>                           1,077
<INVESTMENTS-MARKET>                             1,091
<LOANS>                                         88,727
<ALLOWANCE>                                      1,018
<TOTAL-ASSETS>                                 143,905
<DEPOSITS>                                     122,624
<SHORT-TERM>                                     1,521
<LIABILITIES-OTHER>                                803
<LONG-TERM>                                          0
                                0
                                          0
<COMMON>                                        19,243
<OTHER-SE>                                       (286)
<TOTAL-LIABILITIES-AND-EQUITY>                 143,905
<INTEREST-LOAN>                                  3,777
<INTEREST-INVEST>                                  937
<INTEREST-OTHER>                                   254
<INTEREST-TOTAL>                                 4,968
<INTEREST-DEPOSIT>                               1,638
<INTEREST-EXPENSE>                               1,669
<INTEREST-INCOME-NET>                            3,299
<LOAN-LOSSES>                                       59
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,416
<INCOME-PRETAX>                                  1,113
<INCOME-PRE-EXTRAORDINARY>                         782
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       782
<EPS-BASIC>                                        .69
<EPS-DILUTED>                                      .68
<YIELD-ACTUAL>                                    5.32
<LOANS-NON>                                         14
<LOANS-PAST>                                         7
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                     20
<ALLOWANCE-OPEN>                                   959
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                1,018
<ALLOWANCE-DOMESTIC>                             1,018
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            590


</TABLE>


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