F&M BANCORP
10-Q, EX-27, 2000-08-14
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 six months ended June 30, 2000 and is
qualified in it's entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                          61,227
<INT-BEARING-DEPOSITS>                           9,392
<FED-FUNDS-SOLD>                                 3,967
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    308,550
<INVESTMENTS-CARRYING>                          95,432
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      1,220,945
<ALLOWANCE>                                     13,209
<TOTAL-ASSETS>                               1,769,706
<DEPOSITS>                                   1,324,978
<SHORT-TERM>                                   127,101
<LIABILITIES-OTHER>                             17,218
<LONG-TERM>                                    149,634
                                0
                                          0
<COMMON>                                        55,043
<OTHER-SE>                                      95,732
<TOTAL-LIABILITIES-AND-EQUITY>               1,769,706
<INTEREST-LOAN>                                 48,782
<INTEREST-INVEST>                               12,191
<INTEREST-OTHER>                                   389
<INTEREST-TOTAL>                                61,363
<INTEREST-DEPOSIT>                              21,940
<INTEREST-EXPENSE>                              28,798
<INTEREST-INCOME-NET>                           32,565
<LOAN-LOSSES>                                    1,296
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 31,726
<INCOME-PRETAX>                                 13,721
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     9,584
<EPS-BASIC>                                       0.87
<EPS-DILUTED>                                     0.87
<YIELD-ACTUAL>                                    7.51
<LOANS-NON>                                      4,551
<LOANS-PAST>                                       710
<LOANS-TROUBLED>                                 1,760
<LOANS-PROBLEM>                                 29,800
<ALLOWANCE-OPEN>                                13,068
<CHARGE-OFFS>                                    2,406
<RECOVERIES>                                     1,251
<ALLOWANCE-CLOSE>                               13,209
<ALLOWANCE-DOMESTIC>                            12,841
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            368


</TABLE>


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