INDIAN RIVER BANKING COMPANY
10QSB, EX-27, 2000-11-16
NATIONAL COMMERCIAL BANKS
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<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
                                                                      Exhibit 27

                             Financial Data Schedule

This schedule  contains summary  financial  information  extracted from the Form
10-QSB  and  is  qualified  in its  entirety  by  reference  to  such  financial
statements.
</LEGEND>
<CIK>                                       0000846382
<NAME>                    Indian River Banking Company
<MULTIPLIER>                                     1,000
<CURRENCY>                                   US DOLLAR

<S>                             <C>
<PERIOD-TYPE>                  9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                              JAN-1-2000
<PERIOD-END>                               SEP-30-2000
<EXCHANGE-RATE>                                      1
<CASH>                                           8,415
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                   172
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    103,646
<INVESTMENTS-CARRYING>                          11,811
<INVESTMENTS-MARKET>                            11,846
<LOANS>                                        193,686
<ALLOWANCE>                                      2,339
<TOTAL-ASSETS>                                 325,995
<DEPOSITS>                                     272,783
<SHORT-TERM>                                    18,650
<LIABILITIES-OTHER>                              1,218
<LONG-TERM>                                      6,353
                                0
                                          0
<COMMON>                                         1,396
<OTHER-SE>                                      14,231
<TOTAL-LIABILITIES-AND-EQUITY>                 325,995
<INTEREST-LOAN>                                 11,645
<INTEREST-INVEST>                                5,889
<INTEREST-OTHER>                                    11
<INTEREST-TOTAL>                                17,545
<INTEREST-DEPOSIT>                               7,676
<INTEREST-EXPENSE>                               9,015
<INTEREST-INCOME-NET>                            9,016
<LOAN-LOSSES>                                      495
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  6,839
<INCOME-PRETAX>                                  3,052
<INCOME-PRE-EXTRAORDINARY>                       3,052
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,856
<EPS-BASIC>                                       1.41
<EPS-DILUTED>                                     1.37
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                         14
<LOANS-PAST>                                       119
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,904
<CHARGE-OFFS>                                       92
<RECOVERIES>                                        32
<ALLOWANCE-CLOSE>                                2,339
<ALLOWANCE-DOMESTIC>                             2,339
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>


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