CITIZENS BANKING CORP
10-Q, EX-27, 2000-08-14
NATIONAL COMMERCIAL BANKS
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<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1,000

<S>                             <C>                     <C>
<PERIOD-TYPE>                   6-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000             DEC-31-2000
<PERIOD-START>                             JAN-01-2000             APR-01-2000
<PERIOD-END>                               JUN-30-2000             JUN-30-2000
<CASH>                                         247,896                 247,896
<INT-BEARING-DEPOSITS>                           1,336                   1,336
<FED-FUNDS-SOLD>                                   229                     229
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                  1,376,222               1,376,222
<INVESTMENTS-CARRYING>                               0                       0
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                      6,250,531               6,250,531
<ALLOWANCE>                                     80,047                  80,047
<TOTAL-ASSETS>                               8,145,893               8,145,893
<DEPOSITS>                                   6,124,654               6,124,654
<SHORT-TERM>                                 1,024,555               1,024,555
<LIABILITIES-OTHER>                             71,588                  71,588
<LONG-TERM>                                    272,663                 272,663
                                0                       0
                                          0                       0
<COMMON>                                       223,773                 223,773
<OTHER-SE>                                     428,660                 428,660
<TOTAL-LIABILITIES-AND-EQUITY>               8,145,893               8,145,893
<INTEREST-LOAN>                                256,671                 131,607
<INTEREST-INVEST>                               43,821                  21,799
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                               300,492                 153,406
<INTEREST-DEPOSIT>                             106,608                  53,900
<INTEREST-EXPENSE>                             141,503                  73,878
<INTEREST-INCOME-NET>                          158,989                  79,528
<LOAN-LOSSES>                                   10,446                   5,162
<SECURITIES-GAINS>                                 (1)                       0
<EXPENSE-OTHER>                                129,901                  65,024
<INCOME-PRETAX>                                 62,396                  31,968
<INCOME-PRE-EXTRAORDINARY>                      44,576                  22,691
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                    44,576                  22,691
<EPS-BASIC>                                       0.94                    0.48
<EPS-DILUTED>                                     0.93                    0.47
<YIELD-ACTUAL>                                    4.44                    4.40
<LOANS-NON>                                     43,443                  43,443
<LOANS-PAST>                                       664                     664
<LOANS-TROUBLED>                                   419                     419
<LOANS-PROBLEM>                                 34,853                  34,853
<ALLOWANCE-OPEN>                                76,397                  79,073
<CHARGE-OFFS>                                   10,627                   6,367
<RECOVERIES>                                     3,831                   2,179
<ALLOWANCE-CLOSE>                               80,047                  80,047
<ALLOWANCE-DOMESTIC>                            54,063                  54,063
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                         25,984                  25,984


</TABLE>


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