KEYSTONE FINANCIAL INC
10-Q, EX-27, 2000-08-14
NATIONAL COMMERCIAL BANKS
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<TABLE> <S> <C>


<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the second
quarter 10-Q and is qualified in its entirety by reference to such 10-Q.
</LEGEND>
<MULTIPLIER> 1,000

<S>                                        <C>
<PERIOD-TYPE>                                    6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                         199,906
<INT-BEARING-DEPOSITS>                           1,539
<FED-FUNDS-SOLD>                                88,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  1,101,654
<INVESTMENTS-CARRYING>                         564,482
<INVESTMENTS-MARKET>                           552,093
<LOANS>                                      4,609,584
<ALLOWANCE>                                     61,604
<TOTAL-ASSETS>                               7,038,933
<DEPOSITS>                                   5,039,143
<SHORT-TERM>                                   431,199
<LIABILITIES-OTHER>                            143,132
<LONG-TERM>                                    859,147
                                0
                                          0
<COMMON>                                        98,166
<OTHER-SE>                                     468,146
<TOTAL-LIABILITIES-AND-EQUITY>               7,038,933
<INTEREST-LOAN>                                194,631
<INTEREST-INVEST>                               52,892
<INTEREST-OTHER>                                 8,846
<INTEREST-TOTAL>                               256,369
<INTEREST-DEPOSIT>                              94,918
<INTEREST-EXPENSE>                             131,149
<INTEREST-INCOME-NET>                          125,220
<LOAN-LOSSES>                                    8,425
<SECURITIES-GAINS>                                 204
<EXPENSE-OTHER>                                110,134
<INCOME-PRETAX>                                 55,675
<INCOME-PRE-EXTRAORDINARY>                      40,049
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    40,049
<EPS-BASIC>                                        .82
<EPS-DILUTED>                                      .82
<YIELD-ACTUAL>                                    3.38
<LOANS-NON>                                     37,248
<LOANS-PAST>                                    20,856
<LOANS-TROUBLED>                                   830
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                59,975
<CHARGE-OFFS>                                    9,125
<RECOVERIES>                                     2,329
<ALLOWANCE-CLOSE>                               61,604
<ALLOWANCE-DOMESTIC>                            61,604
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0



</TABLE>


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