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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE SEPTEMBER
30, 2000 UNAUDITED FINANCIAL STATEMENTS OF VINEYARD NATIONAL BANCORP AND
SUBSIDIARIES AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 8,089,248
<INT-BEARING-DEPOSITS> 198,000
<FED-FUNDS-SOLD> 5,925,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 7,492,808
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 81,131,002
<ALLOWANCE> 766,551
<TOTAL-ASSETS> 111,577,621
<DEPOSITS> 100,771,943
<SHORT-TERM> 0
<LIABILITIES-OTHER> 1,734,200
<LONG-TERM> 0
0
0
<COMMON> 2,112,243
<OTHER-SE> 6,959,235
<TOTAL-LIABILITIES-AND-EQUITY> 111,577,621
<INTEREST-LOAN> 6,167,359
<INTEREST-INVEST> 397,400
<INTEREST-OTHER> 258,236
<INTEREST-TOTAL> 6,822,995
<INTEREST-DEPOSIT> 1,533,210
<INTEREST-EXPENSE> 1,534,280
<INTEREST-INCOME-NET> 5,032,715
<LOAN-LOSSES> 256,000
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 5,427,934
<INCOME-PRETAX> 710,348
<INCOME-PRE-EXTRAORDINARY> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 412,348
<EPS-BASIC> 0.22
<EPS-DILUTED> 0.22
<YIELD-ACTUAL> 9.58
<LOANS-NON> 17,000
<LOANS-PAST> 133,000
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 2,922,762
<ALLOWANCE-OPEN> 764,000
<CHARGE-OFFS> 273,000
<RECOVERIES> 20,000
<ALLOWANCE-CLOSE> 767,000
<ALLOWANCE-DOMESTIC> 767,000
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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