PACIFIC CAPITAL BANCORP /CA/
10-Q, EX-27.0999, 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-30-1999
<CASH>                                                    122,279
<INT-BEARING-DEPOSITS>                                      2,753
<FED-FUNDS-SOLD>                                           65,555
<TRADING-ASSETS>                                                0
<INVESTMENTS-HELD-FOR-SALE>                               560,532
<INVESTMENTS-CARRYING>                                    192,088
<INVESTMENTS-MARKET>                                      198,955
<LOANS>                                                 2,005,696
<ALLOWANCE>                                                29,817
<TOTAL-ASSETS>                                          3,048,841
<DEPOSITS>                                              2,619,357
<SHORT-TERM>                                               63,902
<LIABILITIES-OTHER>                                        28,313
<LONG-TERM>                                                92,019
<COMMON>                                                   23,411
                                           0
                                                     0
<OTHER-SE>                                                221,858
<TOTAL-LIABILITIES-AND-EQUITY>                          3,048,841
<INTEREST-LOAN>                                           129,168
<INTEREST-INVEST>                                          35,108
<INTEREST-OTHER>                                            3,959
<INTEREST-TOTAL>                                          168,235
<INTEREST-DEPOSIT>                                         48,459
<INTEREST-EXPENSE>                                         52,909
<INTEREST-INCOME-NET>                                     115,326
<LOAN-LOSSES>                                               5,677
<SECURITIES-GAINS>                                           (274)
<EXPENSE-OTHER>                                            87,493
<INCOME-PRETAX>                                            55,389
<INCOME-PRE-EXTRAORDINARY>                                 55,389
<EXTRAORDINARY>                                                 0
<CHANGES>                                                       0
<NET-INCOME>                                               35,171
<EPS-BASIC>                                                  1.35
<EPS-DILUTED>                                                1.33
<YIELD-ACTUAL>                                               5.60
<LOANS-NON>                                                14,600
<LOANS-PAST>                                                  640
<LOANS-TROUBLED>                                               11
<LOANS-PROBLEM>                                            27,721
<ALLOWANCE-OPEN>                                           30,499
<CHARGE-OFFS>                                              10,609
<RECOVERIES>                                                4,288
<ALLOWANCE-CLOSE>                                          29,817
<ALLOWANCE-DOMESTIC>                                       29,817
<ALLOWANCE-FOREIGN>                                             0
<ALLOWANCE-UNALLOCATED>                                         0


</TABLE>


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