ANDOVER BANCORP INC
10-Q, EX-27, 2000-11-13
STATE COMMERCIAL BANKS
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<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 10Q
FINANCIAL STATEMENTS DATED AS OF AND FOR THE QUARTER AND NINE MONTHS ENDED
SEPTEMBER 30, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH 10Q
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<EXCHANGE-RATE>                                      1
<CASH>                                          41,395
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 1,100
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     22,139
<INVESTMENTS-CARRYING>                          52,013
<INVESTMENTS-MARKET>                            51,622
<LOANS>                                      1,318,688
<ALLOWANCE>                                     14,445
<TOTAL-ASSETS>                               1,776,044
<DEPOSITS>                                   1,214,148
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                             11,277
<LONG-TERM>                                    404,469
                                0
                                          0
<COMMON>                                           684
<OTHER-SE>                                     145,466
<TOTAL-LIABILITIES-AND-EQUITY>               1,776,044
<INTEREST-LOAN>                                 69,886
<INTEREST-INVEST>                               17,807
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                87,693
<INTEREST-DEPOSIT>                              29,070
<INTEREST-EXPENSE>                              48,255
<INTEREST-INCOME-NET>                           39,438
<LOAN-LOSSES>                                    1,050
<SECURITIES-GAINS>                             (2,036)
<EXPENSE-OTHER>                                 20,681
<INCOME-PRETAX>                                 19,721
<INCOME-PRE-EXTRAORDINARY>                      14,565
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    14,565
<EPS-BASIC>                                       2.25
<EPS-DILUTED>                                     2.19
<YIELD-ACTUAL>                                    3.36
<LOANS-NON>                                      2,666
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                11,384
<CHARGE-OFFS>                                      436
<RECOVERIES>                                       621
<ALLOWANCE-CLOSE>                               14,445
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>


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