UNITED BANCORPORATION OF ALABAMA INC
10-Q, EX-27, 2000-11-13
STATE COMMERCIAL BANKS
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<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S INTERIM FINANCIAL STATEMENTS FOR FISCAL PERIOD 9-30-00 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                      12,137,332
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             1,145,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 47,385,259
<INVESTMENTS-CARRYING>                      14,376,076
<INVESTMENTS-MARKET>                        14,185,427
<LOANS>                                    141,258,419
<ALLOWANCE>                                  1,865,274
<TOTAL-ASSETS>                             222,798,483
<DEPOSITS>                                 178,651,515
<SHORT-TERM>                                 3,450,000
<LIABILITIES-OTHER>                          2,086,220
<LONG-TERM>                                  8,915,921
                                0
                                          0
<COMMON>                                        11,559
<OTHER-SE>                                  19,289,787
<TOTAL-LIABILITIES-AND-EQUITY>             222,798,483
<INTEREST-LOAN>                              9,555,884
<INTEREST-INVEST>                            2,888,550
<INTEREST-OTHER>                               378,153
<INTEREST-TOTAL>                            12,822,587
<INTEREST-DEPOSIT>                           5,357,324
<INTEREST-EXPENSE>                           6,226,504
<INTEREST-INCOME-NET>                        6,596,083
<LOAN-LOSSES>                                  355,000
<SECURITIES-GAINS>                              34,725
<EXPENSE-OTHER>                              5,506,406
<INCOME-PRETAX>                              1,921,659
<INCOME-PRE-EXTRAORDINARY>                   1,921,659
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,433,830
<EPS-BASIC>                                       1.31
<EPS-DILUTED>                                     1.30
<YIELD-ACTUAL>                                    8.41
<LOANS-NON>                                    408,197
<LOANS-PAST>                                    18,000
<LOANS-TROUBLED>                               139,000
<LOANS-PROBLEM>                              3,077,404
<ALLOWANCE-OPEN>                             1,676,000
<CHARGE-OFFS>                                  192,000
<RECOVERIES>                                    26,000
<ALLOWANCE-CLOSE>                            1,865,000
<ALLOWANCE-DOMESTIC>                         1,865,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                      1,060,856


</TABLE>


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