CARNEGIE FINANCIAL CORP /PA/
10QSB, EX-27, 2000-11-14
PERSONAL CREDIT INSTITUTIONS
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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-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                             275
<INT-BEARING-DEPOSITS>                             380
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      1,819
<INVESTMENTS-CARRYING>                             649
<INVESTMENTS-MARKET>                               653
<LOANS>                                         22,536
<ALLOWANCE>                                        190
<TOTAL-ASSETS>                                  26,473
<DEPOSITS>                                      17,026
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                658
<LONG-TERM>                                      6,050
                                0
                                          0
<COMMON>                                            24
<OTHER-SE>                                       2,715
<TOTAL-LIABILITIES-AND-EQUITY>                  26,473
<INTEREST-LOAN>                                  1,293
<INTEREST-INVEST>                                  202
<INTEREST-OTHER>                                    38
<INTEREST-TOTAL>                                 1,533
<INTEREST-DEPOSIT>                                 551
<INTEREST-EXPENSE>                                 900
<INTEREST-INCOME-NET>                              633
<LOAN-LOSSES>                                       57
<SECURITIES-GAINS>                               (267)
<EXPENSE-OTHER>                                    585
<INCOME-PRETAX>                                  (193)
<INCOME-PRE-EXTRAORDINARY>                       (193)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     (122)
<EPS-BASIC>                                     (0.60)
<EPS-DILUTED>                                   (0.60)
<YIELD-ACTUAL>                                    3.10
<LOANS-NON>                                         25
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   184
<CHARGE-OFFS>                                       14
<RECOVERIES>                                         1
<ALLOWANCE-CLOSE>                                  190
<ALLOWANCE-DOMESTIC>                               190
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>


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