DNB FINANCIAL CORP /PA/
10-Q, EX-27, 2000-11-13
STATE COMMERCIAL BANKS
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<TABLE> <S> <C>


<ARTICLE>                         9
<CIK>                         0000713671
<NAME>         DNB FINANCIAL CORPORATION

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                       8,561,058
<INT-BEARING-DEPOSITS>                       2,509,159
<FED-FUNDS-SOLD>                            12,863,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 82,186,381
<INVESTMENTS-CARRYING>                      45,509,628
<INVESTMENTS-MARKET>                        44,267,504
<LOANS>                                    182,094,007
<ALLOWANCE>                                  4,927,725
<TOTAL-ASSETS>                             343,396,870
<DEPOSITS>                                 286,095,527
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                          2,462,885
<LONG-TERM>                                 32,742,557
                                0
                                          0
<COMMON>                                     1,611,339
<OTHER-SE>                                  20,484,562
<TOTAL-LIABILITIES-AND-EQUITY>             343,396,870
<INTEREST-LOAN>                             11,046,424
<INTEREST-INVEST>                            6,010,044
<INTEREST-OTHER>                               262,235
<INTEREST-TOTAL>                            17,318,703
<INTEREST-DEPOSIT>                           7,900,471
<INTEREST-EXPENSE>                           9,114,978
<INTEREST-INCOME-NET>                        8,203,725
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                              25,424
<EXPENSE-OTHER>                              6,667,024
<INCOME-PRETAX>                              2,787,463
<INCOME-PRE-EXTRAORDINARY>                   1,943,463
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,943,463
<EPS-BASIC>                                       1.21
<EPS-DILUTED>                                     1.19
<YIELD-ACTUAL>                                    7.70
<LOANS-NON>                                  1,018,364
<LOANS-PAST>                                   615,969
<LOANS-TROUBLED>                                40,000
<LOANS-PROBLEM>                              7,672,000
<ALLOWANCE-OPEN>                             5,085,078
<CHARGE-OFFS>                                  201,493
<RECOVERIES>                                    44,139
<ALLOWANCE-CLOSE>                            4,927,724
<ALLOWANCE-DOMESTIC>                         4,927,724
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0



</TABLE>


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