SANDY SPRING BANCORP INC
10-Q, EX-27, 2000-11-08
NATIONAL COMMERCIAL BANKS
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<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                          33,452
<INT-BEARING-DEPOSITS>                           1,085
<FED-FUNDS-SOLD>                                42,327
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    495,129
<INVESTMENTS-CARRYING>                         134,881
<INVESTMENTS-MARKET>                           132,097
<LOANS>                                        900,511
<ALLOWANCE>                                      9,697
<TOTAL-ASSETS>                               1,710,425
<DEPOSITS>                                   1,211,370
<SHORT-TERM>                                   312,578
<LIABILITIES-OTHER>                              7,064
<LONG-TERM>                                     63,982
                                0
                                          0
<COMMON>                                         9,537
<OTHER-SE>                                     105,894
<TOTAL-LIABILITIES-AND-EQUITY>               1,710,425
<INTEREST-LOAN>                                 55,601
<INTEREST-INVEST>                               30,435
<INTEREST-OTHER>                                 1,237
<INTEREST-TOTAL>                                87,273
<INTEREST-DEPOSIT>                              29,073
<INTEREST-EXPENSE>                              44,431
<INTEREST-INCOME-NET>                           42,842
<LOAN-LOSSES>                                    2,090
<SECURITIES-GAINS>                                 265
<EXPENSE-OTHER>                                 35,851
<INCOME-PRETAX>                                 17,813
<INCOME-PRE-EXTRAORDINARY>                      17,813
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    13,346
<EPS-BASIC>                                       1.39
<EPS-DILUTED>                                     1.39
<YIELD-ACTUAL>                                    4.06
<LOANS-NON>                                        540
<LOANS-PAST>                                     1,823
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  5,118
<ALLOWANCE-OPEN>                                 8,231
<CHARGE-OFFS>                                      693
<RECOVERIES>                                        69
<ALLOWANCE-CLOSE>                                9,697
<ALLOWANCE-DOMESTIC>                             1,902
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          7,795


</TABLE>


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