OLD POINT FINANCIAL CORP
10-Q, EX-27, 2000-08-14
STATE COMMERCIAL BANKS
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<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1000

<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                          10,679
<INT-BEARING-DEPOSITS>                             281
<FED-FUNDS-SOLD>                                 8,983
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     81,145
<INVESTMENTS-CARRYING>                          45,835
<INVESTMENTS-MARKET>                            44,187
<LOANS>                                        310,219
<ALLOWANCE>                                      3,385
<TOTAL-ASSETS>                                 474,908
<DEPOSITS>                                     366,584
<SHORT-TERM>                                     6,399
<LIABILITIES-OTHER>                              2,096
<LONG-TERM>                                     34,000
                                0
                                          0
<COMMON>                                        12,917
<OTHER-SE>                                      31,594
<TOTAL-LIABILITIES-AND-EQUITY>                 474,908
<INTEREST-LOAN>                                 12,332
<INTEREST-INVEST>                                3,576
<INTEREST-OTHER>                                    49
<INTEREST-TOTAL>                                15,957
<INTEREST-DEPOSIT>                               6,472
<INTEREST-EXPENSE>                               7,747
<INTEREST-INCOME-NET>                            8,210
<LOAN-LOSSES>                                      325
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  7,653
<INCOME-PRETAX>                                  3,064
<INCOME-PRE-EXTRAORDINARY>                       3,064
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,458
<EPS-BASIC>                                      .95
<EPS-DILUTED>                                      .95
<YIELD-ACTUAL>                                    4.22
<LOANS-NON>                                        479
<LOANS-PAST>                                       687
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  3,900
<ALLOWANCE-OPEN>                                 3,111
<CHARGE-OFFS>                                      175
<RECOVERIES>                                       226
<ALLOWANCE-CLOSE>                                3,385
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,550


</TABLE>


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