VIRGINIA COMMONWEALTH FINANCIAL CORP
10-Q, EX-27, 2000-11-14
NATIONAL COMMERCIAL BANKS
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<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               SEP-30-2000
<CASH>                                          12,661
<INT-BEARING-DEPOSITS>                           3,687
<FED-FUNDS-SOLD>                                16,729
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     84,966
<INVESTMENTS-CARRYING>                          21,523
<INVESTMENTS-MARKET>                            21,426
<LOANS>                                        293,378
<ALLOWANCE>                                      3,355
<TOTAL-ASSETS>                                 453,427
<DEPOSITS>                                     384,522
<SHORT-TERM>                                     1,080
<LIABILITIES-OTHER>                              2,275
<LONG-TERM>                                     14,320
                                0
                                          0
<COMMON>                                         5,891
<OTHER-SE>                                      43,532
<TOTAL-LIABILITIES-AND-EQUITY>                 453,427
<INTEREST-LOAN>                                 19,275
<INTEREST-INVEST>                                4,587
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                24,270
<INTEREST-DEPOSIT>                              10,663
<INTEREST-EXPENSE>                              11,168
<INTEREST-INCOME-NET>                           13,102
<LOAN-LOSSES>                                      476
<SECURITIES-GAINS>                                  52
<EXPENSE-OTHER>                                 10,052
<INCOME-PRETAX>                                  5,066
<INCOME-PRE-EXTRAORDINARY>                       3,675
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,675
<EPS-BASIC>                                       1.56
<EPS-DILUTED>                                     1.56
<YIELD-ACTUAL>                                 412,081
<LOANS-NON>                                        470
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  7,407
<ALLOWANCE-OPEN>                                 3,080
<CHARGE-OFFS>                                    (251)
<RECOVERIES>                                        51
<ALLOWANCE-CLOSE>                                3,355
<ALLOWANCE-DOMESTIC>                             1,819
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,536


</TABLE>


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