CENTRAL VIRGINIA BANKSHARES INC
10QSB, EX-27, 2000-11-14
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>                   9-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-END>                                   SEP-30-2000
<CASH>                                           8,167,519
<INT-BEARING-DEPOSITS>                             234,707
<FED-FUNDS-SOLD>                                 3,583,000
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                     18,768,293
<INVESTMENTS-CARRYING>                          25,046,038
<INVESTMENTS-MARKET>                            24,635,847
<LOANS>                                        132,954,423
<ALLOWANCE>                                      1,571,700
<TOTAL-ASSETS>                                 194,886,523
<DEPOSITS>                                     160,752,069
<SHORT-TERM>                                    10,284,747
<LIABILITIES-OTHER>                                566,388
<LONG-TERM>                                      5,018,000
                                    0
                                              0
<COMMON>                                         2,414,605
<OTHER-SE>                                      15,850,714
<TOTAL-LIABILITIES-AND-EQUITY>                 194,886,523
<INTEREST-LOAN>                                  9,218,766
<INTEREST-INVEST>                                2,437,275
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                11,656,041
<INTEREST-DEPOSIT>                               4,737,659
<INTEREST-EXPENSE>                               5,636,087
<INTEREST-INCOME-NET>                            6,019,954
<LOAN-LOSSES>                                      240,500
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                  4,795,941
<INCOME-PRETAX>                                  2,145,402
<INCOME-PRE-EXTRAORDINARY>                       2,145,402
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                     1,494,403
<EPS-BASIC>                                            .77
<EPS-DILUTED>                                          .77
<YIELD-ACTUAL>                                        4.41
<LOANS-NON>                                        532,319
<LOANS-PAST>                                       605,309
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                 1,486,900
<CHARGE-OFFS>                                      210,755
<RECOVERIES>                                        55,055
<ALLOWANCE-CLOSE>                                1,571,700
<ALLOWANCE-DOMESTIC>                               947,114
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                            624,586



</TABLE>


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