NORTHERN EMPIRE BANCSHARES
10-Q, EX-27, 2000-11-08
NATIONAL COMMERCIAL BANKS
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<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1000

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-31-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                           14764
<INT-BEARING-DEPOSITS>                             693
<FED-FUNDS-SOLD>                                 32029
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                       2992
<INVESTMENTS-CARRYING>                            2992
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         425565
<ALLOWANCE>                                       4441
<TOTAL-ASSETS>                                  480874
<DEPOSITS>                                      437340
<SHORT-TERM>                                      5000
<LIABILITIES-OTHER>                               2595
<LONG-TERM>                                       1834
                                0
                                          0
<COMMON>                                         18265
<OTHER-SE>                                       15840
<TOTAL-LIABILITIES-AND-EQUITY>                  480874
<INTEREST-LOAN>                                  27154
<INTEREST-INVEST>                                  178
<INTEREST-OTHER>                                  1388
<INTEREST-TOTAL>                                 28720
<INTEREST-DEPOSIT>                               13665
<INTEREST-EXPENSE>                               13858
<INTEREST-INCOME-NET>                            14862
<LOAN-LOSSES>                                      720
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                   6978
<INCOME-PRETAX>                                   8229
<INCOME-PRE-EXTRAORDINARY>                        8229
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      4865
<EPS-BASIC>                                       1.29
<EPS-DILUTED>                                     1.27
<YIELD-ACTUAL>                                    9.12
<LOANS-NON>                                        750
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                  3787
<CHARGE-OFFS>                                       66
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                 4441
<ALLOWANCE-DOMESTIC>                              4441
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            337


</TABLE>


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