F&M BANCORP
10-Q, EX-27, 2000-11-13
STATE COMMERCIAL BANKS
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<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FOR UNION
NATIONAL BANCORP'S FORM 10-Q FOR THE NINE MONTHS ENDED SEPTEMBER 30, 2000 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                          49,377
<INT-BEARING-DEPOSITS>                           4,635
<FED-FUNDS-SOLD>                                 4,251
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    317,360
<INVESTMENTS-CARRYING>                          91,113
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      1,228,179
<ALLOWANCE>                                     13,310
<TOTAL-ASSETS>                               1,763,941
<DEPOSITS>                                   1,325,786
<SHORT-TERM>                                   118,064
<LIABILITIES-OTHER>                             18,824
<LONG-TERM>                                    149,546
                                0
                                          0
<COMMON>                                        55,063
<OTHER-SE>                                      96,658
<TOTAL-LIABILITIES-AND-EQUITY>               1,763,941
<INTEREST-LOAN>                                 74,626
<INTEREST-INVEST>                               18,247
<INTEREST-OTHER>                                   557
<INTEREST-TOTAL>                                93,430
<INTEREST-DEPOSIT>                              33,618
<INTEREST-EXPENSE>                              44,696
<INTEREST-INCOME-NET>                           48,735
<LOAN-LOSSES>                                    2,511
<SECURITIES-GAINS>                                 633
<EXPENSE-OTHER>                                 47,292
<INCOME-PRETAX>                                 20,757
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    14,477
<EPS-BASIC>                                       1.31
<EPS-DILUTED>                                     1.31
<YIELD-ACTUAL>                                    7.56
<LOANS-NON>                                      2,897
<LOANS-PAST>                                     1,910
<LOANS-TROUBLED>                                 1,270
<LOANS-PROBLEM>                                 24,185
<ALLOWANCE-OPEN>                                13,068
<CHARGE-OFFS>                                    4,227
<RECOVERIES>                                     1,958
<ALLOWANCE-CLOSE>                               13,310
<ALLOWANCE-DOMESTIC>                            12,356
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            954


</TABLE>


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