HUDSON VALLEY HOLDING CORP
10-Q, EX-27.1, 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 UNAUDITED
CONSOLIDATED FINANCIAL STATEMENTS AT SEPTEMBER 30, 2000 AND IS QUALIFED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000             DEC-31-2000
<PERIOD-START>                             JUL-01-2000             JAN-01-2000
<PERIOD-END>                               SEP-30-2000             SEP-30-2000
<CASH>                                          27,415                  27,415
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                10,500                  10,500
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                    675,853                 675,853
<INVESTMENTS-CARRYING>                               0                       0
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                        473,190                 473,190
<ALLOWANCE>                                      5,019                   5,019
<TOTAL-ASSETS>                               1,234,216               1,234,216
<DEPOSITS>                                     887,971                 887,971
<SHORT-TERM>                                   161,741                 161,741
<LIABILITIES-OTHER>                             13,562                  13,562
<LONG-TERM>                                     87,964                  87,964
                                0                       0
                                          0                       0
<COMMON>                                         1,027                   1,027
<OTHER-SE>                                      81,951                  81,951
<TOTAL-LIABILITIES-AND-EQUITY>               1,234,216               1,234,216
<INTEREST-LOAN>                                 10,931                  30,631
<INTEREST-INVEST>                               11,219                  32,993
<INTEREST-OTHER>                                   215                     561
<INTEREST-TOTAL>                                22,365                  64,185
<INTEREST-DEPOSIT>                               6,883                  18,639
<INTEREST-EXPENSE>                              10,610                  29,739
<INTEREST-INCOME-NET>                           11,755                  34,446
<LOAN-LOSSES>                                      350                   1,050
<SECURITIES-GAINS>                                  25                      25
<EXPENSE-OTHER>                                  6,469                  19,375
<INCOME-PRETAX>                                  5,398                  15,514
<INCOME-PRE-EXTRAORDINARY>                       5,398                  15,514
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     3,968                  11,403
<EPS-BASIC>                                       0.93                    2.66
<EPS-DILUTED>                                     0.90                    2.60
<YIELD-ACTUAL>                                    8.03                    7.87
<LOANS-NON>                                      3,099                   3,099
<LOANS-PAST>                                     1,867                   1,867
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 4,687                   4,047
<CHARGE-OFFS>                                       51                     125
<RECOVERIES>                                        33                      47
<ALLOWANCE-CLOSE>                                5,019                   5,019
<ALLOWANCE-DOMESTIC>                               659                     659
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                          4,360                   4,360


</TABLE>


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