BT FINANCIAL CORP
10-Q, EX-27.1, 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-31-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                          65,174
<INT-BEARING-DEPOSITS>                             236
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    403,867
<INVESTMENTS-CARRYING>                           2,000
<INVESTMENTS-MARKET>                             1,988
<LOANS>                                      1,540,623
<ALLOWANCE>                                     16,253
<TOTAL-ASSETS>                               2,071,014
<DEPOSITS>                                   1,645,739
<SHORT-TERM>                                    62,690
<LIABILITIES-OTHER>                             15,124
<LONG-TERM>                                    150,900
                                0
                                          0
<COMMON>                                        83,416
<OTHER-SE>                                     113,145
<TOTAL-LIABILITIES-AND-EQUITY>               2,071,014
<INTEREST-LOAN>                                 91,094
<INTEREST-INVEST>                               17,971
<INTEREST-OTHER>                                 1,451
<INTEREST-TOTAL>                               110,516
<INTEREST-DEPOSIT>                              42,337
<INTEREST-EXPENSE>                              51,475
<INTEREST-INCOME-NET>                           59,041
<LOAN-LOSSES>                                    3,785
<SECURITIES-GAINS>                                  71
<EXPENSE-OTHER>                                 42,051
<INCOME-PRETAX>                                 25,291
<INCOME-PRE-EXTRAORDINARY>                      25,291
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    17,839
<EPS-BASIC>                                       1.07
<EPS-DILUTED>                                     1.07
<YIELD-ACTUAL>                                    4.27
<LOANS-NON>                                     13,194
<LOANS-PAST>                                       926
<LOANS-TROUBLED>                                   211
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                15,654
<CHARGE-OFFS>                                    3,907
<RECOVERIES>                                       720
<ALLOWANCE-CLOSE>                               16,253
<ALLOWANCE-DOMESTIC>                            16,253
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>


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