SAVANNAH BANCORP INC
10-Q, EX-27, 2000-11-13
NATIONAL COMMERCIAL BANKS
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<TABLE> <S> <C>

<ARTICLE>  9
<LEGEND>
This schedule contains summary financial information extracted from the
September 30, 2000 Form 10-Q and is qualified in its entirety by reference to
such information.
</LEGEND>
<MULTIPLIER>  1000
<CURRENCY>  U. S. DOLLARS


<S>                                                                          <C>
<PERIOD-TYPE>                                                              9-MOS
<FISCAL-YEAR-END>                                                    DEC-31-2000
<PERIOD-START>                                                       JAN-01-2000
<PERIOD-END>                                                         SEP-30-2000
<EXCHANGE-RATE>                                                                1
<CASH>                                                                     11179
<INT-BEARING-DEPOSITS>                                                       115
<FED-FUNDS-SOLD>                                                            6226
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                                    0
<INVESTMENTS-CARRYING>                                                         0
<INVESTMENTS-MARKET>                                                       57525
<LOANS>                                                                   243144
<ALLOWANCE>                                                               (3254)
<TOTAL-ASSETS>                                                            323621
<DEPOSITS>                                                                273745
<SHORT-TERM>                                                               11105
<LIABILITIES-OTHER>                                                         2294
<LONG-TERM>                                                                    0
<COMMON>                                                                    2720
                                                          0
                                                                    0
<OTHER-SE>                                                                 24525
<TOTAL-LIABILITIES-AND-EQUITY>                                            323621
<INTEREST-LOAN>                                                            16043
<INTEREST-INVEST>                                                           2628
<INTEREST-OTHER>                                                             261
<INTEREST-TOTAL>                                                           18932
<INTEREST-DEPOSIT>                                                          7345
<INTEREST-EXPENSE>                                                          8675
<INTEREST-INCOME-NET>                                                      10257
<LOAN-LOSSES>                                                                570
<SECURITIES-GAINS>                                                             0
<EXPENSE-OTHER>                                                             6937
<INCOME-PRETAX>                                                             4620
<INCOME-PRE-EXTRAORDINARY>                                                  3140
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                                3140
<EPS-BASIC>                                                                 1.16
<EPS-DILUTED>                                                               1.14
<YIELD-ACTUAL>                                                              4.78
<LOANS-NON>                                                                  325
<LOANS-PAST>                                                                  16
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                              341
<ALLOWANCE-OPEN>                                                            2794
<CHARGE-OFFS>                                                                169
<RECOVERIES>                                                                  59
<ALLOWANCE-CLOSE>                                                           3254
<ALLOWANCE-DOMESTIC>                                                        3254
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                        0


</TABLE>


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