SAVANNAH BANCORP INC
10-Q, EX-27, 2000-08-03
NATIONAL COMMERCIAL BANKS
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<TABLE> <S> <C>

<ARTICLE>  9

<LEGEND>

This schedule contains summary financial information extracted from the June 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>                                                              6-MOS
<FISCAL-YEAR-END>                                                    DEC-31-2000
<PERIOD-START>                                                       JAN-01-2000
<PERIOD-END>                                                         JUN-30-2000
<EXCHANGE-RATE>                                                                1
<CASH>                                                                     11395
<INT-BEARING-DEPOSITS>                                                       209
<FED-FUNDS-SOLD>                                                            3090
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                                    0
<INVESTMENTS-CARRYING>                                                         0
<INVESTMENTS-MARKET>                                                       57868
<LOANS>                                                                   236066
<ALLOWANCE>                                                               (3059)
<TOTAL-ASSETS>                                                            314496
<DEPOSITS>                                                                253605
<SHORT-TERM>                                                               32873
<LIABILITIES-OTHER>                                                         1876
<LONG-TERM>                                                                    0
<COMMON>                                                                    2720
                                                          0
                                                                    0
<OTHER-SE>                                                                 23423
<TOTAL-LIABILITIES-AND-EQUITY>                                            314496
<INTEREST-LOAN>                                                            10171
<INTEREST-INVEST>                                                           1759
<INTEREST-OTHER>                                                             133
<INTEREST-TOTAL>                                                           12063
<INTEREST-DEPOSIT>                                                          4514
<INTEREST-EXPENSE>                                                          5390
<INTEREST-INCOME-NET>                                                       6673
<LOAN-LOSSES>                                                                375
<SECURITIES-GAINS>                                                             0
<EXPENSE-OTHER>                                                             4564
<INCOME-PRETAX>                                                             2954
<INCOME-PRE-EXTRAORDINARY>                                                  2954
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                                2011
<EPS-BASIC>                                                                  .74
<EPS-DILUTED>                                                                .73
<YIELD-ACTUAL>                                                              4.81
<LOANS-NON>                                                                  408
<LOANS-PAST>                                                                  29
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                              427
<ALLOWANCE-OPEN>                                                            2794
<CHARGE-OFFS>                                                                142
<RECOVERIES>                                                                  32
<ALLOWANCE-CLOSE>                                                           3059
<ALLOWANCE-DOMESTIC>                                                        2924
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                        0


</TABLE>


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