BT FINANCIAL CORP
10-Q, EX-27.1, 2000-08-14
STATE COMMERCIAL BANKS
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<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                          70,195
<INT-BEARING-DEPOSITS>                             893
<FED-FUNDS-SOLD>                                 5,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    404,636
<INVESTMENTS-CARRYING>                           2,000
<INVESTMENTS-MARKET>                             1,976
<LOANS>                                      1,495,124
<ALLOWANCE>                                     15,707
<TOTAL-ASSETS>                               2,035,605
<DEPOSITS>                                   1,611,260
<SHORT-TERM>                                    68,392
<LIABILITIES-OTHER>                             14,458
<LONG-TERM>                                    150,740
                                0
                                          0
<COMMON>                                        83,416
<OTHER-SE>                                     107,339
<TOTAL-LIABILITIES-AND-EQUITY>               2,035,605
<INTEREST-LOAN>                                 59,999
<INTEREST-INVEST>                               11,592
<INTEREST-OTHER>                                 1,149
<INTEREST-TOTAL>                                72,740
<INTEREST-DEPOSIT>                              27,046
<INTEREST-EXPENSE>                              33,279
<INTEREST-INCOME-NET>                           39,461
<LOAN-LOSSES>                                    2,100
<SECURITIES-GAINS>                                  72
<EXPENSE-OTHER>                                 28,048
<INCOME-PRETAX>                                 17,409
<INCOME-PRE-EXTRAORDINARY>                      17,409
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    12,279
<EPS-BASIC>                                        .74
<EPS-DILUTED>                                      .74
<YIELD-ACTUAL>                                    4.31
<LOANS-NON>                                     12,125
<LOANS-PAST>                                       867
<LOANS-TROUBLED>                                   211
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                15,654
<CHARGE-OFFS>                                    2,674
<RECOVERIES>                                       627
<ALLOWANCE-CLOSE>                               15,707
<ALLOWANCE-DOMESTIC>                            15,707
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>


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