FIRST LITCHFIELD FINANCIAL CORP
10QSB, EX-27, 2000-08-09
NATIONAL COMMERCIAL BANKS
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<TABLE> <S> <C>


<ARTICLE>                                      9
<MULTIPLIER>                                   1

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-END>                                   JUN-30-2000
<CASH>                                           8,129,157
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                     51,504,929
<INVESTMENTS-CARRYING>                           3,438,397
<INVESTMENTS-MARKET>                             3,423,473
<LOANS>                                        190,840,345
<ALLOWANCE>                                      1,033,317
<TOTAL-ASSETS>                                 267,730,608
<DEPOSITS>                                     207,251,002
<SHORT-TERM>                                    42,650,000
<LIABILITIES-OTHER>                              1,239,660
<LONG-TERM>                                        936,056
                                    0
                                              0
<COMMON>                                            15,973
<OTHER-SE>                                      15,637,917
<TOTAL-LIABILITIES-AND-EQUITY>                 267,730,608
<INTEREST-LOAN>                                  7,307,496
<INTEREST-INVEST>                                1,707,475
<INTEREST-OTHER>                                       106
<INTEREST-TOTAL>                                 9,015,077
<INTEREST-DEPOSIT>                               3,299,241
<INTEREST-EXPENSE>                               4,546,451
<INTEREST-INCOME-NET>                            4,468,626
<LOAN-LOSSES>                                       90,000
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                  3,986,641
<INCOME-PRETAX>                                  1,301,856
<INCOME-PRE-EXTRAORDINARY>                               0
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                       844,202
<EPS-BASIC>                                            .56
<EPS-DILUTED>                                          .55
<YIELD-ACTUAL>                                        3.72
<LOANS-NON>                                        863,064
<LOANS-PAST>                                        41,866
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                 1,014,522
<CHARGE-OFFS>                                      132,018
<RECOVERIES>                                        60,813
<ALLOWANCE-CLOSE>                                1,033,317
<ALLOWANCE-DOMESTIC>                               152,995
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                            880,322



</TABLE>


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