CENTRAL VIRGINIA BANKSHARES INC
10QSB, EX-27, 2000-08-14
STATE COMMERCIAL BANKS
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<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
This summary financial  information is qualified in its entirety by reference to
the Company's financial statements.
</LEGEND>
<MULTIPLIER>                                   1

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-END>                                   JUN-30-2000
<CASH>                                           5,900,787
<INT-BEARING-DEPOSITS>                             210,854
<FED-FUNDS-SOLD>                                 2,263,000
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                     18,667,424
<INVESTMENTS-CARRYING>                          25,129,840
<INVESTMENTS-MARKET>                            24,561,327
<LOANS>                                        131,161,961
<ALLOWANCE>                                      1,543,638
<TOTAL-ASSETS>                                 194,164,244
<DEPOSITS>                                     160,388,287
<SHORT-TERM>                                    15,219,244
<LIABILITIES-OTHER>                                760,301
<LONG-TERM>                                         18,000
                                    0
                                              0
<COMMON>                                         2,414,605
<OTHER-SE>                                      15,363,807
<TOTAL-LIABILITIES-AND-EQUITY>                 194,164,244
<INTEREST-LOAN>                                  6,063,052
<INTEREST-INVEST>                                1,591,070
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                 7,654,122
<INTEREST-DEPOSIT>                               3,024,473
<INTEREST-EXPENSE>                               3,661,254
<INTEREST-INCOME-NET>                            3,992,868
<LOAN-LOSSES>                                      120,000
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                  3,255,308
<INCOME-PRETAX>                                  1,350,206
<INCOME-PRE-EXTRAORDINARY>                       1,350,206
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                       966,145
<EPS-BASIC>                                           0.50
<EPS-DILUTED>                                         0.50
<YIELD-ACTUAL>                                        4.38
<LOANS-NON>                                        607,542
<LOANS-PAST>                                       596,066
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                 1,486,900
<CHARGE-OFFS>                                       91,004
<RECOVERIES>                                        27,742
<ALLOWANCE-CLOSE>                                1,543,638
<ALLOWANCE-DOMESTIC>                               940,820
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                            602,818



</TABLE>


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