ACNB CORP
10-Q, EX-27, 2000-11-07
STATE COMMERCIAL BANKS
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<TABLE> <S> <C>

<ARTICLE>      9
<MULTIPLIER>                           1,000
<CURRENCY>                                 0
<PERIOD-TYPE>                         12-MOS
<FISCAL-YEAR-END>                DEC-31-2000
<PERIOD-START>                   JAN-01-2000
<PERIOD-END>                     SEP-30-2000
<EXCHANGE-RATE>                            1
<CASH>                                20,256
<INT-BEARING-DEPOSITS>                 1,516
<FED-FUNDS-SOLD>                       1,834
<TRADING-ASSETS>                           0
<INVESTMENTS-HELD-FOR-SALE>          112,559
<INVESTMENTS-CARRYING>                61,422
<INVESTMENTS-MARKET>                  60,948
<LOANS>                              358,801
<ALLOWANCE>                            3,643
<TOTAL-ASSETS>                       567,690
<DEPOSITS>                           445,498
<SHORT-TERM>                          33,101
<LIABILITIES-OTHER>                    4,807
<LONG-TERM>                                0
<COMMON>                              13,954
                      0
                                0
<OTHER-SE>                            47,030
<TOTAL-LIABILITIES-AND-EQUITY>       567,690
<INTEREST-LOAN>                       21,158
<INTEREST-INVEST>                      8,206
<INTEREST-OTHER>                         366
<INTEREST-TOTAL>                      29,730
<INTEREST-DEPOSIT>                    11,172
<INTEREST-EXPENSE>                    12,354
<INTEREST-INCOME-NET>                 17,376
<LOAN-LOSSES>                            180
<SECURITIES-GAINS>                         0
<EXPENSE-OTHER>                        9,807
<INCOME-PRETAX>                        9,378
<INCOME-PRE-EXTRAORDINARY>             9,378
<EXTRAORDINARY>                            0
<CHANGES>                                  0
<NET-INCOME>                           6,328
<EPS-BASIC>                           1.12
<EPS-DILUTED>                           1.12
<YIELD-ACTUAL>                          4.40
<LOANS-NON>                              719
<LOANS-PAST>                           1,897
<LOANS-TROUBLED>                           0
<LOANS-PROBLEM>                        2,616
<ALLOWANCE-OPEN>                       3,543
<CHARGE-OFFS>                            118
<RECOVERIES>                              38
<ALLOWANCE-CLOSE>                      3,643
<ALLOWANCE-DOMESTIC>                   3,643
<ALLOWANCE-FOREIGN>                        0
<ALLOWANCE-UNALLOCATED>                    0


</TABLE>


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