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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INORMATION EXTRACTED FROM EVANS BANCORP
INC., UNAUDITED BALANCE SHEET AND STATEMENT OF INCOME AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<CIK> 0000842518
<NAME> EVANS BANCORP INC.
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 5,960,370
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 69,404,611
<INVESTMENTS-CARRYING> 3,649,792
<INVESTMENTS-MARKET> 0
<LOANS> 124,968,279
<ALLOWANCE> 1,063,411
<TOTAL-ASSETS> 215,392,201
<DEPOSITS> 182,714,523
<SHORT-TERM> 0
<LIABILITIES-OTHER> 2,892,687
<LONG-TERM> 6,705,295
0
0
<COMMON> 879,801
<OTHER-SE> 21,725,587
<TOTAL-LIABILITIES-AND-EQUITY> 215,392,201
<INTEREST-LOAN> 7,922,258
<INTEREST-INVEST> 3,191,114
<INTEREST-OTHER> 125,551
<INTEREST-TOTAL> 11,238,923
<INTEREST-DEPOSIT> 4,389,064
<INTEREST-EXPENSE> 4,702,391
<INTEREST-INCOME-NET> 6,536,532
<LOAN-LOSSES> 220,000
<SECURITIES-GAINS> (31,616)
<EXPENSE-OTHER> 5,138,283
<INCOME-PRETAX> 2,546,979
<INCOME-PRE-EXTRAORDINARY> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,873,179
<EPS-BASIC> 1.09
<EPS-DILUTED> 0
<YIELD-ACTUAL> 8.03
<LOANS-NON> 1,457,000
<LOANS-PAST> 2,076,000
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 838,167
<CHARGE-OFFS> 1,002
<RECOVERIES> 6,246
<ALLOWANCE-CLOSE> 1,063,411
<ALLOWANCE-DOMESTIC> 220,000
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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