UNITED FINANCIAL BANKING COMPANIES INC
10QSB, EX-27, 2000-11-14
STATE COMMERCIAL BANKS
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<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the Form
10-QSB and is qualified in its entirety by reference to such financial
statements.
</LEGEND>
<CIK> 0000714286
<NAME> UNITED FINANCIAL BANKING COMPANIES, INC.

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                       2,590,802
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                               350,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  8,234,419
<INVESTMENTS-CARRYING>                      10,565,252
<INVESTMENTS-MARKET>                        10,565,252
<LOANS>                                     53,840,593
<ALLOWANCE>                                    907,272
<TOTAL-ASSETS>                              69,039,957
<DEPOSITS>                                  56,881,908
<SHORT-TERM>                                 3,785,000
<LIABILITIES-OTHER>                            467,731
<LONG-TERM>                                          0
                                0
                                          0
<COMMON>                                     1,001,499
<OTHER-SE>                                   6,903,819
<TOTAL-LIABILITIES-AND-EQUITY>              69,039,957
<INTEREST-LOAN>                              3,115,822
<INTEREST-INVEST>                              702,246
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                             3,818,068
<INTEREST-DEPOSIT>                           1,364,145
<INTEREST-EXPENSE>                               8,343
<INTEREST-INCOME-NET>                        2,445,580
<LOAN-LOSSES>                                  128,600
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,880,995
<INCOME-PRETAX>                                620,667
<INCOME-PRE-EXTRAORDINARY>                     620,667
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   620,667
<EPS-BASIC>                                       0.62
<EPS-DILUTED>                                     0.62
<YIELD-ACTUAL>                                    8.46
<LOANS-NON>                                    170,678
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                               142,575
<LOANS-PROBLEM>                                440,038
<ALLOWANCE-OPEN>                               783,143
<CHARGE-OFFS>                                    5,600
<RECOVERIES>                                     1,129
<ALLOWANCE-CLOSE>                              907,272
<ALLOWANCE-DOMESTIC>                           907,272
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        467,234


</TABLE>


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