FIRST BANCORP /NC/
10-Q, EX-27, 2000-11-14
STATE COMMERCIAL BANKS
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<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                   1

<S>                                     <C>              <C>
<PERIOD-TYPE>                            9-MOS           9-MOS
<FISCAL-YEAR-END>                      DEC-31-2000       DEC-31-1999
<PERIOD-END>                           SEP-30-2000       SEP-30-1999
<CASH>                                   24,189            27,504
<INT-BEARING-DEPOSITS>                   10,848            22,307
<FED-FUNDS-SOLD>                         33,050             2,285
<TRADING-ASSETS>                              0                 0
<INVESTMENTS-HELD-FOR-SALE>              58,216           119,997
<INVESTMENTS-CARRYING>                   49,083            52,671
<INVESTMENTS-MARKET>                     48,079            51,607
<LOANS>                                 730,134           612,954
<ALLOWANCE>                               7,773             6,584
<TOTAL-ASSETS>                          928,820           858,855
<DEPOSITS>                              769,008           684,532
<SHORT-TERM>                             41,200            55,000
<LIABILITIES-OTHER>                       8,651            12,903
<LONG-TERM>                                   0                 0
                         0                 0
                                   0                 0
<COMMON>                                 51,881            51,509
<OTHER-SE>                               58,080            54,911
<TOTAL-LIABILITIES-AND-EQUITY>          928,820           858,855
<INTEREST-LOAN>                          45,658            37,253
<INTEREST-INVEST>                         7,477             6,953
<INTEREST-OTHER>                            755               836
<INTEREST-TOTAL>                         53,890            45,042
<INTEREST-DEPOSIT>                       22,476            18,495
<INTEREST-EXPENSE>                       25,060            19,114
<INTEREST-INCOME-NET>                    28,830            25,928
<LOAN-LOSSES>                             1,365               665
<SECURITIES-GAINS>                       (1,917)               20
<EXPENSE-OTHER>                          20,683            16,257
<INCOME-PRETAX>                           9,302            13,385
<INCOME-PRE-EXTRAORDINARY>                9,302            13,385
<EXTRAORDINARY>                               0                 0
<CHANGES>                                     0                 0
<NET-INCOME>                              5,599             8,749
<EPS-BASIC>                                0.63              0.98
<EPS-DILUTED>                              0.61              0.94
<YIELD-ACTUAL>                             4.51              4.61
<LOANS-NON>                                 992               897
<LOANS-PAST>                                  0                 0
<LOANS-TROUBLED>                            243               260
<LOANS-PROBLEM>                           3,750             1,250
<ALLOWANCE-OPEN>                          6,674             6,100
<CHARGE-OFFS>                               333               272
<RECOVERIES>                                 67                91
<ALLOWANCE-CLOSE>                         7,773             6,584
<ALLOWANCE-DOMESTIC>                      6,358             4,764
<ALLOWANCE-FOREIGN>                           0                 0
<ALLOWANCE-UNALLOCATED>                   1,415             1,820



</TABLE>


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