COMMUNITY BANK SYSTEM INC
10-Q, EX-27, 2000-08-11
NATIONAL 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>                                                             68,543
<INT-BEARING-DEPOSITS>                                                  0
<FED-FUNDS-SOLD>                                                        0
<TRADING-ASSETS>                                                        0
<INVESTMENTS-HELD-FOR-SALE>                                       686,366
<INVESTMENTS-CARRYING>                                              5,236
<INVESTMENTS-MARKET>                                                5,280
<LOANS>                                                         1,063,223
<ALLOWANCE>                                                        14,603
<TOTAL-ASSETS>                                                  1,931,222
<DEPOSITS>                                                      1,410,495
<SHORT-TERM>                                                      261,100
<LIABILITIES-OTHER>                                                20,609
<LONG-TERM>                                                        95,000
<COMMON>                                                            7,641
                                              29,821
                                                             0
<OTHER-SE>                                                        106,556
<TOTAL-LIABILITIES-AND-EQUITY>                                  1,931,222
<INTEREST-LOAN>                                                    46,312
<INTEREST-INVEST>                                                  23,339
<INTEREST-OTHER>                                                      474
<INTEREST-TOTAL>                                                   70,125
<INTEREST-DEPOSIT>                                                 23,133
<INTEREST-EXPENSE>                                                 34,381
<INTEREST-INCOME-NET>                                              35,744
<LOAN-LOSSES>                                                       2,916
<SECURITIES-GAINS>                                                   (212)
<EXPENSE-OTHER>                                                    27,678
<INCOME-PRETAX>                                                    14,579
<INCOME-PRE-EXTRAORDINARY>                                         14,579
<EXTRAORDINARY>                                                         0
<CHANGES>                                                               0
<NET-INCOME>                                                       10,205
<EPS-BASIC>                                                          1.44
<EPS-DILUTED>                                                        1.42
<YIELD-ACTUAL>                                                          0
<LOANS-NON>                                                             0
<LOANS-PAST>                                                            0
<LOANS-TROUBLED>                                                        0
<LOANS-PROBLEM>                                                         0
<ALLOWANCE-OPEN>                                                        0
<CHARGE-OFFS>                                                           0
<RECOVERIES>                                                            0
<ALLOWANCE-CLOSE>                                                       0
<ALLOWANCE-DOMESTIC>                                                    0
<ALLOWANCE-FOREIGN>                                                     0
<ALLOWANCE-UNALLOCATED>                                                 0



</TABLE>


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