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

<ARTICLE> 9
<MULTIPLIER> 1000

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               SEP-30-2000
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<INT-BEARING-DEPOSITS>                             171
<FED-FUNDS-SOLD>                                62,948
<TRADING-ASSETS>                                     0
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<INVESTMENTS-CARRYING>                         529,162
<INVESTMENTS-MARKET>                           521,188
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<ALLOWANCE>                                     24,390
<TOTAL-ASSETS>                               3,528,216
<DEPOSITS>                                   2,980,064
<SHORT-TERM>                                   166,417
<LIABILITIES-OTHER>                             32,586
<LONG-TERM>                                     21,966
                                0
                                          0
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<TOTAL-LIABILITIES-AND-EQUITY>               3,528,216
<INTEREST-LOAN>                                125,454
<INTEREST-INVEST>                               44,606
<INTEREST-OTHER>                                 4,969
<INTEREST-TOTAL>                               175,029
<INTEREST-DEPOSIT>                              65,950
<INTEREST-EXPENSE>                               6,103
<INTEREST-INCOME-NET>                          102,976
<LOAN-LOSSES>                                    2,890
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 86,803
<INCOME-PRETAX>                                 54,543
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<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    35,567
<EPS-BASIC>                                       1.43
<EPS-DILUTED>                                     1.42
<YIELD-ACTUAL>                                    4.63
<LOANS-NON>                                     11,199
<LOANS-PAST>                                     6,314
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                 14,581
<ALLOWANCE-OPEN>                                24,050
<CHARGE-OFFS>                                    3,047
<RECOVERIES>                                       497
<ALLOWANCE-CLOSE>                               24,390
<ALLOWANCE-DOMESTIC>                            24,390
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>


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