FMS FINANCIAL CORP
10-Q, EX-27, 2000-08-23
SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED
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<TABLE> <S> <C>


<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
     TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000

<S>                                         <C>
<PERIOD-TYPE>                                 6-MOS
<FISCAL-YEAR-END>                             DEC-31-1999
<PERIOD-END>                                  JUN-30-2000
<CASH>                                         25,379
<INT-BEARING-DEPOSITS>                              2
<FED-FUNDS-SOLD>                                    0
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                    43,651
<INVESTMENTS-CARRYING>                        344,013
<INVESTMENTS-MARKET>                          332,504
<LOANS>                                       297,704
<ALLOWANCE>                                     3,868
<TOTAL-ASSETS>                                761,244
<DEPOSITS>                                    614,437
<SHORT-TERM>                                        0
<LIABILITIES-OTHER>                             5,836
<LONG-TERM>                                    96,306
                               0
                                         0
<COMMON>                                          790
<OTHER-SE>                                     43,876
<TOTAL-LIABILITIES-AND-EQUITY>                761,244
<INTEREST-LOAN>                                11,645
<INTEREST-INVEST>                              10,105
<INTEREST-OTHER>                                4,018
<INTEREST-TOTAL>                               25,768
<INTEREST-DEPOSIT>                             10,000
<INTEREST-EXPENSE>                             13,266
<INTEREST-INCOME-NET>                          12,502
<LOAN-LOSSES>                                     120
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                 8,249
<INCOME-PRETAX>                                 4,134
<INCOME-PRE-EXTRAORDINARY>                          0
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                    2,649
<EPS-BASIC>                                      0.38
<EPS-DILUTED>                                    0.37
<YIELD-ACTUAL>                                   3.36
<LOANS-NON>                                     2,752
<LOANS-PAST>                                        0
<LOANS-TROUBLED>                                  116
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                3,841
<CHARGE-OFFS>                                     109
<RECOVERIES>                                       15
<ALLOWANCE-CLOSE>                               3,868
<ALLOWANCE-DOMESTIC>                            3,868
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                         3,417



</TABLE>


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