PAB BANKSHARES INC
10-Q, EX-27, 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-START>               JAN-01-1999
<PERIOD-END>                 SEP-30-1999
<CASH>                            25,024
<INT-BEARING-DEPOSITS>            12,157
<FED-FUNDS-SOLD>                   7,095
<TRADING-ASSETS>                       0
<INVESTMENTS-HELD-FOR-SALE>       83,717
<INVESTMENTS-CARRYING>                 0
<INVESTMENTS-MARKET>                   0
<LOANS>                          488,048
<ALLOWANCE>                        5,004
<TOTAL-ASSETS>                   643,207
<DEPOSITS>                       500,546
<SHORT-TERM>                      13,825
<LIABILITIES-OTHER>                5,488
<LONG-TERM>                       54,445
                  0
                            0
<COMMON>                           1,217
<OTHER-SE>                        67,686
<TOTAL-LIABILITIES-AND-EQUITY>   643,207
<INTEREST-LOAN>                   31,737
<INTEREST-INVEST>                  3,925
<INTEREST-OTHER>                     866
<INTEREST-TOTAL>                  36,528
<INTEREST-DEPOSIT>                14,872
<INTEREST-EXPENSE>                16,873
<INTEREST-INCOME-NET>             19,655
<LOAN-LOSSES>                        585
<SECURITIES-GAINS>                  (33)
<EXPENSE-OTHER>                   13,752
<INCOME-PRETAX>                    9,639
<INCOME-PRE-EXTRAORDINARY>         9,639
<EXTRAORDINARY>                        0
<CHANGES>                              0
<NET-INCOME>                       6,435
<EPS-BASIC>                         0.67
<EPS-DILUTED>                       0.66
<YIELD-ACTUAL>                      4.64
<LOANS-NON>                        2,130
<LOANS-PAST>                         255
<LOANS-TROUBLED>                       0
<LOANS-PROBLEM>                        0
<ALLOWANCE-OPEN>                   5,172
<CHARGE-OFFS>                        805
<RECOVERIES>                          53
<ALLOWANCE-CLOSE>                  5,004
<ALLOWANCE-DOMESTIC>                   0
<ALLOWANCE-FOREIGN>                    0
<ALLOWANCE-UNALLOCATED>                0



</TABLE>


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