<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>