TEJAS BANCSHARES INC
10-Q, EX-27, 2000-11-14
NATIONAL COMMERCIAL BANKS
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<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
SEPTEMBER 30, 2000 FORM 10-Q OF TEJAS  BANCSHARES,  INC. 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-END>                                  SEP-30-2000
<CASH>                                             23,615
<INT-BEARING-DEPOSITS>                                  8
<FED-FUNDS-SOLD>                                    2,130
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                         7,250
<INVESTMENTS-CARRYING>                                  0
<INVESTMENTS-MARKET>                                    0
<LOANS>                                           312,677
<ALLOWANCE>                                         6,017
<TOTAL-ASSETS>                                    351,768
<DEPOSITS>                                        279,252
<SHORT-TERM>                                       21,000
<LIABILITIES-OTHER>                                 2,137
<LONG-TERM>                                             0
                                   0
                                             0
<COMMON>                                           13,415
<OTHER-SE>                                         35,964
<TOTAL-LIABILITIES-AND-EQUITY>                    351,768
<INTEREST-LOAN>                                    19,127
<INTEREST-INVEST>                                     299
<INTEREST-OTHER>                                      104
<INTEREST-TOTAL>                                   19,530
<INTEREST-DEPOSIT>                                  6,386
<INTEREST-EXPENSE>                                  6,970
<INTEREST-INCOME-NET>                              12,560
<LOAN-LOSSES>                                       1,500
<SECURITIES-GAINS>                                      0
<EXPENSE-OTHER>                                     7,004
<INCOME-PRETAX>                                     5,974
<INCOME-PRE-EXTRAORDINARY>                          3,931
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                        3,931
<EPS-BASIC>                                          0.29
<EPS-DILUTED>                                        0.29
<YIELD-ACTUAL>                                       5.67
<LOANS-NON>                                             0
<LOANS-PAST>                                          144
<LOANS-TROUBLED>                                        0
<LOANS-PROBLEM>                                         0
<ALLOWANCE-OPEN>                                    4,525
<CHARGE-OFFS>                                          19
<RECOVERIES>                                           11
<ALLOWANCE-CLOSE>                                   6,017
<ALLOWANCE-DOMESTIC>                                6,017
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                             6,017



</TABLE>


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