PENNROCK FINANCIAL SERVICES CORP
10-Q, EX-27, 2000-08-10
NATIONAL COMMERCIAL BANKS
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<TABLE> <S> <C>

<ARTICLE> 9
<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>                                          21,395
<INT-BEARING-DEPOSITS>                           3,591
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    326,699
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        480,335
<ALLOWANCE>                                      5,938
<TOTAL-ASSETS>                                 881,922
<DEPOSITS>                                     636,119
<SHORT-TERM>                                    79,560
<LIABILITIES-OTHER>                             11,693
<LONG-TERM>                                     91,000
                                0
                                          0
<COMMON>                                        15,194
<OTHER-SE>                                      48,356
<TOTAL-LIABILITIES-AND-EQUITY>                 881,922
<INTEREST-LOAN>                                 20,285
<INTEREST-INVEST>                               10,848
<INTEREST-OTHER>                                    69
<INTEREST-TOTAL>                                31,203
<INTEREST-DEPOSIT>                              12,638
<INTEREST-EXPENSE>                              17,329
<INTEREST-INCOME-NET>                           13,874
<LOAN-LOSSES>                                      744
<SECURITIES-GAINS>                                 474
<EXPENSE-OTHER>                                  9,976
<INCOME-PRETAX>                                  6,443
<INCOME-PRE-EXTRAORDINARY>                       5,293
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,593
<EPS-BASIC>                                        .89
<EPS-DILUTED>                                      .89
<YIELD-ACTUAL>                                    3.86
<LOANS-NON>                                      5,241
<LOANS-PAST>                                     1,596
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 5,778
<CHARGE-OFFS>                                      299
<RECOVERIES>                                        86
<ALLOWANCE-CLOSE>                                5,938
<ALLOWANCE-DOMESTIC>                             5,938
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>


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