VISTA BANCORP INC
10-Q, EX-27, 2000-08-14
NATIONAL COMMERCIAL BANKS
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<TABLE> <S> <C>


<ARTICLE>                                            9
<CIK>                                         0000831979
<NAME>                                        VISTA BANCORP, INC.
<MULTIPLIER>                                  1,000

<S>                             <C>

<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                             DEC-31-2000
<PERIOD-START>                                JAN-01-2000
<PERIOD-END>                                  JUN-30-2000
<CASH>                                           23,062
<INT-BEARING-DEPOSITS>                              740
<FED-FUNDS-SOLD>                                 10,200
<TRADING-ASSETS>                                      0
<INVESTMENTS-HELD-FOR-SALE>                     190,833
<INVESTMENTS-CARRYING>                                0
<INVESTMENTS-MARKET>                                  0
<LOANS>                                         425,095
<ALLOWANCE>                                       5,808
<TOTAL-ASSETS>                                  689,587
<DEPOSITS>                                      585,202
<SHORT-TERM>                                     40,915
<LIABILITIES-OTHER>                               3,751
<LONG-TERM>                                      13,500
                                 0
                                           0
<COMMON>                                          2,546
<OTHER-SE>                                       43,673
<TOTAL-LIABILITIES-AND-EQUITY>                  643,368
<INTEREST-LOAN>                                  17,724
<INTEREST-INVEST>                                 6,460
<INTEREST-OTHER>                                    203
<INTEREST-TOTAL>                                 24,387
<INTEREST-DEPOSIT>                               10,379
<INTEREST-EXPENSE>                               11,650
<INTEREST-INCOME-NET>                            12,737
<LOAN-LOSSES>                                       631
<SECURITIES-GAINS>                                 (222)
<EXPENSE-OTHER>                                   8,983
<INCOME-PRETAX>                                   5,087
<INCOME-PRE-EXTRAORDINARY>                        3,489
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                      3,489
<EPS-BASIC>                                        0.69
<EPS-DILUTED>                                      0.69
<YIELD-ACTUAL>                                     4.15
<LOANS-NON>                                       2,977
<LOANS-PAST>                                          2
<LOANS-TROUBLED>                                    684
<LOANS-PROBLEM>                                       0
<ALLOWANCE-OPEN>                                  5,266
<CHARGE-OFFS>                                       148
<RECOVERIES>                                         59
<ALLOWANCE-CLOSE>                                 5,808
<ALLOWANCE-DOMESTIC>                              4,756
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                           1,052



</TABLE>


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