VIRGINIA COMMONWEALTH FINANCIAL CORP
10-Q, EX-27, 2000-08-14
NATIONAL COMMERCIAL BANKS
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<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                          14,018
<INT-BEARING-DEPOSITS>                           7,253
<FED-FUNDS-SOLD>                                19,955
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     73,646
<INVESTMENTS-CARRYING>                          22,451
<INVESTMENTS-MARKET>                            22,196
<LOANS>                                        286,828
<ALLOWANCE>                                      3,278
<TOTAL-ASSETS>                                 444,904
<DEPOSITS>                                     378,367
<SHORT-TERM>                                     1,097
<LIABILITIES-OTHER>                              1,552
<LONG-TERM>                                     14,340
                                0
                                          0
<COMMON>                                         5,891
<OTHER-SE>                                      42,237
<TOTAL-LIABILITIES-AND-EQUITY>                 444,904
<INTEREST-LOAN>                                 12,605
<INTEREST-INVEST>                                3,143
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                15,748
<INTEREST-DEPOSIT>                               6,814
<INTEREST-EXPENSE>                               7,063
<INTEREST-INCOME-NET>                            8,685
<LOAN-LOSSES>                                      309
<SECURITIES-GAINS>                                  52
<EXPENSE-OTHER>                                  6,697
<INCOME-PRETAX>                                  3,327
<INCOME-PRE-EXTRAORDINARY>                       3,327
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,413
<EPS-BASIC>                                       1.02
<EPS-DILUTED>                                     1.02
<YIELD-ACTUAL>                                 412,081
<LOANS-NON>                                        576
<LOANS-PAST>                                       128
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  8,846
<ALLOWANCE-OPEN>                                 3,080
<CHARGE-OFFS>                                    (141)
<RECOVERIES>                                        30
<ALLOWANCE-CLOSE>                                3,278
<ALLOWANCE-DOMESTIC>                             2,441
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            837


</TABLE>


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