VISTA BANCORP INC
10-Q, EX-27, 2000-11-14
NATIONAL COMMERCIAL BANKS
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<TABLE> <S> <C>


<ARTICLE>                       9
<MULTIPLIER>                    1,000

<S>                             <C>
<PERIOD-TYPE>                   12-MOS
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<PERIOD-START>                                 JAN-01-2000
<PERIOD-END>                                   SEP-30-2000
<CASH>                                              28,616
<INT-BEARING-DEPOSITS>                               1,450
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<SHORT-TERM>                                        34,870
<LIABILITIES-OTHER>                                  3,334
<LONG-TERM>                                         12,500
                                    0
                                              0
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<INTEREST-TOTAL>                                    37,204
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<INTEREST-EXPENSE>                                  18,076
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<LOAN-LOSSES>                                          947
<SECURITIES-GAINS>                                    (222)
<EXPENSE-OTHER>                                     13,837
<INCOME-PRETAX>                                      7,416
<INCOME-PRE-EXTRAORDINARY>                           7,416
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         5,162
<EPS-BASIC>                                           1.02
<EPS-DILUTED>                                         1.02
<YIELD-ACTUAL>                                        4.10
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<LOANS-PAST>                                             0
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<ALLOWANCE-CLOSE>                                    6,023
<ALLOWANCE-DOMESTIC>                                 4,876
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                              1,147



</TABLE>


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