INTERCHANGE FINANCIAL SERVICES CORP /NJ/
10-Q, EX-27, 2000-11-14
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-01-2000
<PERIOD-END>                                   SEP-30-2000
<CASH>                                            20,112
<INT-BEARING-DEPOSITS>                                 0
<FED-FUNDS-SOLD>                                       0
<TRADING-ASSETS>                                       0
<INVESTMENTS-HELD-FOR-SALE>                      130,867
<INVESTMENTS-CARRYING>                            42,169
<INVESTMENTS-MARKET>                              41,808
<LOANS>                                          549,033
<ALLOWANCE>                                        6,085
<TOTAL-ASSETS>                                   757,637
<DEPOSITS>                                       651,649
<SHORT-TERM>                                      26,875
<LIABILITIES-OTHER>                                6,904
<LONG-TERM>                                       13,000
                                  0
                                            0
<COMMON>                                           5,397
<OTHER-SE>                                        53,812
<TOTAL-LIABILITIES-AND-EQUITY>                   757,637
<INTEREST-LOAN>                                   32,723
<INTEREST-INVEST>                                  7,850
<INTEREST-OTHER>                                     528
<INTEREST-TOTAL>                                  41,101
<INTEREST-DEPOSIT>                                16,002
<INTEREST-EXPENSE>                                17,644
<INTEREST-INCOME-NET>                             23,457
<LOAN-LOSSES>                                        750
<SECURITIES-GAINS>                                    97
<EXPENSE-OTHER>                                   15,908
<INCOME-PRETAX>                                    9,859
<INCOME-PRE-EXTRAORDINARY>                         9,859
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                       6,599
<EPS-BASIC>                                         1.01
<EPS-DILUTED>                                       1.01
<YIELD-ACTUAL>                                      4.45
<LOANS-NON>                                        1,113
<LOANS-PAST>                                          24
<LOANS-TROUBLED>                                       0
<LOANS-PROBLEM>                                        0
<ALLOWANCE-OPEN>                                   5,476
<CHARGE-OFFS>                                        214
<RECOVERIES>                                          73
<ALLOWANCE-CLOSE>                                  6,085
<ALLOWANCE-DOMESTIC>                               6,085
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                            2,773



</TABLE>


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