AREA BANCSHARES CORP
10-Q, EX-27.1, 2000-11-14
COMMERCIAL BANKS, NEC
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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>                             DEC-31-1999
<PERIOD-END>                               SEP-30-2000
<CASH>                                         109,691
<INT-BEARING-DEPOSITS>                           5,002
<FED-FUNDS-SOLD>                                   778
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    393,626
<INVESTMENTS-CARRYING>                         153,219
<INVESTMENTS-MARKET>                           155,202
<LOANS>                                      1,929,777
<ALLOWANCE>                                     27,706
<TOTAL-ASSETS>                               2,746,701
<DEPOSITS>                                   2,076,351
<SHORT-TERM>                                   234,382
<LIABILITIES-OTHER>                             25,287
<LONG-TERM>                                    132,976
                                0
                                          0
<COMMON>                                        28,113
<OTHER-SE>                                     249,592
<TOTAL-LIABILITIES-AND-EQUITY>               2,746,701
<INTEREST-LOAN>                                126,428
<INTEREST-INVEST>                               25,045
<INTEREST-OTHER>                                   288
<INTEREST-TOTAL>                               151,761
<INTEREST-DEPOSIT>                              56,476
<INTEREST-EXPENSE>                              72,725
<INTEREST-INCOME-NET>                           79,036
<LOAN-LOSSES>                                    1,224
<SECURITIES-GAINS>                              15,604
<EXPENSE-OTHER>                                 70,028
<INCOME-PRETAX>                                 45,583
<INCOME-PRE-EXTRAORDINARY>                      45,583
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    29,979
<EPS-BASIC>                                       1.83
<EPS-DILUTED>                                     1.82
<YIELD-ACTUAL>                                    8.32
<LOANS-NON>                                      2,452
<LOANS-PAST>                                     3,047
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                23,055
<CHARGE-OFFS>                                    1,823
<RECOVERIES>                                       927
<ALLOWANCE-CLOSE>                               27,706
<ALLOWANCE-DOMESTIC>                            27,706
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          6,622


</TABLE>


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