SECOND BANCORP INC
10-Q, EX-27, 2000-08-14
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>                                          38,526
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                   944
<INVESTMENTS-HELD-FOR-SALE>                    370,250
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      1,157,123
<ALLOWANCE>                                     11,378
<TOTAL-ASSETS>                               1,632,913
<DEPOSITS>                                   1,105,449
<SHORT-TERM>                                   127,539
<LIABILITIES-OTHER>                              8,548
<LONG-TERM>                                    276,009
                                0
                                          0
<COMMON>                                        36,974
<OTHER-SE>                                      78,394
<TOTAL-LIABILITIES-AND-EQUITY>               1,632,913
<INTEREST-LOAN>                                 44,876
<INTEREST-INVEST>                               11,629
<INTEREST-OTHER>                                   109
<INTEREST-TOTAL>                                56,614
<INTEREST-DEPOSIT>                              22,191
<INTEREST-EXPENSE>                              31,551
<INTEREST-INCOME-NET>                           25,063
<LOAN-LOSSES>                                    1,383
<SECURITIES-GAINS>                                 305
<EXPENSE-OTHER>                                 20,728
<INCOME-PRETAX>                                 10,201
<INCOME-PRE-EXTRAORDINARY>                      10,201
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     7,649
<EPS-BASIC>                                       0.74
<EPS-DILUTED>                                     0.74
<YIELD-ACTUAL>                                    3.56
<LOANS-NON>                                      2,987
<LOANS-PAST>                                     2,875
<LOANS-TROUBLED>                                    47
<LOANS-PROBLEM>                                  5,909
<ALLOWANCE-OPEN>                                11,169
<CHARGE-OFFS>                                    1,592
<RECOVERIES>                                       418
<ALLOWANCE-CLOSE>                               11,378
<ALLOWANCE-DOMESTIC>                            11,378
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>


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