FIRST M&F CORP/MS
10-Q, EX-27, 2000-11-14
STATE COMMERCIAL BANKS
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<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                   1,000

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                            DEC-31-1999
<PERIOD-END>                                 SEP-30-2000
<CASH>                                            28,077
<INT-BEARING-DEPOSITS>                             3,275
<FED-FUNDS-SOLD>                                  13,500
<TRADING-ASSETS>                                       0
<INVESTMENTS-HELD-FOR-SALE>                      271,918
<INVESTMENTS-CARRYING>                                 0
<INVESTMENTS-MARKET>                                   0
<LOANS>                                          643,796
<ALLOWANCE>                                        7,801
<TOTAL-ASSETS>                                 1,013,873
<DEPOSITS>                                       796,527
<SHORT-TERM>                                       5,967
<LIABILITIES-OTHER>                                9,457
<LONG-TERM>                                      109,341
                                  0
                                            0
<COMMON>                                          23,074
<OTHER-SE>                                        69,507
<TOTAL-LIABILITIES-AND-EQUITY>                 1,013,873
<INTEREST-LOAN>                                   40,581
<INTEREST-INVEST>                                 12,951
<INTEREST-OTHER>                                     947
<INTEREST-TOTAL>                                  54,479
<INTEREST-DEPOSIT>                                24,909
<INTEREST-EXPENSE>                                30,508
<INTEREST-INCOME-NET>                             23,971
<LOAN-LOSSES>                                      2,650
<SECURITIES-GAINS>                                   (55)
<EXPENSE-OTHER>                                   21,968
<INCOME-PRETAX>                                    8,272
<INCOME-PRE-EXTRAORDINARY>                         8,272
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                       5,848
<EPS-BASIC>                                         0.33
<EPS-DILUTED>                                       0.33
<YIELD-ACTUAL>                                      3.60
<LOANS-NON>                                        2,036
<LOANS-PAST>                                       1,357
<LOANS-TROUBLED>                                       0
<LOANS-PROBLEM>                                    1,424
<ALLOWANCE-OPEN>                                   7,629
<CHARGE-OFFS>                                      3,027
<RECOVERIES>                                         549
<ALLOWANCE-CLOSE>                                  7,801
<ALLOWANCE-DOMESTIC>                               7,801
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                                0



</TABLE>


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