FIRST LITCHFIELD FINANCIAL CORP
10QSB, EX-27, 2000-11-13
NATIONAL COMMERCIAL BANKS
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<TABLE> <S> <C>

<ARTICLE> 9

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                       7,924,517
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 50,799,288
<INVESTMENTS-CARRYING>                       2,796,785
<INVESTMENTS-MARKET>                         2,789,144
<LOANS>                                    191,975,738
<ALLOWANCE>                                  1,016,491
<TOTAL-ASSETS>                             267,491,298
<DEPOSITS>                                 203,722,158
<SHORT-TERM>                                45,415,000
<LIABILITIES-OTHER>                          1,211,302
<LONG-TERM>                                    960,927
                                0
                                          0
<COMMON>                                        15,973
<OTHER-SE>                                  16,165,938
<TOTAL-LIABILITIES-AND-EQUITY>             267,491,298
<INTEREST-LOAN>                             11,161,247
<INTEREST-INVEST>                            2,652,098
<INTEREST-OTHER>                                 1,038
<INTEREST-TOTAL>                            13,814,383
<INTEREST-DEPOSIT>                           5,106,939
<INTEREST-EXPENSE>                           7,078,624
<INTEREST-INCOME-NET>                        6,735,759
<LOAN-LOSSES>                                  135,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              6,000,407
<INCOME-PRETAX>                              1,967,280
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,274,648
<EPS-BASIC>                                       0.84
<EPS-DILUTED>                                     0.83
<YIELD-ACTUAL>                                    3.70
<LOANS-NON>                                    768,509
<LOANS-PAST>                                   142,331
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,014,522
<CHARGE-OFFS>                                  206,023
<RECOVERIES>                                    72,992
<ALLOWANCE-CLOSE>                            1,016,491
<ALLOWANCE-DOMESTIC>                            95,503
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        920,988


</TABLE>


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