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SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.
COMMERCIAL NATIONAL FINANCIAL CORPORATION
(Registrant)
Dated: September 30, 1996 /s/ Gregg E. Hunter
Gregg E. Hunter
Vice Chairman of the Board
Dated: September 30, 1996 /s/ Sandra L. Neiderhiser
Sandra L. Neiderhiser
Secretary/Treasurer
<TABLE> <S> <C>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1996
<PERIOD-START> JAN-01-1996
<PERIOD-END> SEP-30-1996
<CASH> 6,811,934
<INT-BEARING-DEPOSITS> 123,892
<FED-FUNDS-SOLD> 850,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 42,934,326
<INVESTMENTS-CARRYING> 63,195,398
<INVESTMENTS-MARKET> 62,920,355
<LOANS> 148,553,617
<ALLOWANCE> 2,088,061
<TOTAL-ASSETS> 269,016,596
<DEPOSITS> 233,142,722
<SHORT-TERM> 0
<LIABILITIES-OTHER> 1,936,377
<LONG-TERM> 0
0
0
<COMMON> 3,600,000
<OTHER-SE> 30,337,497
<TOTAL-LIABILITIES-AND-EQUITY> 269,016,596
<INTEREST-LOAN> 6,559,307
<INTEREST-INVEST> 3,156,339
<INTEREST-OTHER> 76,416
<INTEREST-TOTAL> 9,792,062
<INTEREST-DEPOSIT> 4,126,806
<INTEREST-EXPENSE> 4,131,895
<INTEREST-INCOME-NET> 5,660,167
<LOAN-LOSSES> 45,000
<SECURITIES-GAINS> 577
<EXPENSE-OTHER> 3,657,940
<INCOME-PRETAX> 2,596,642
<INCOME-PRE-EXTRAORDINARY> 1,939,642
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,939,642
<EPS-PRIMARY> 1.08
<EPS-DILUTED> 1.08
<YIELD-ACTUAL> 7.71
<LOANS-NON> 235,545
<LOANS-PAST> 27,493
<LOANS-TROUBLED> 0
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<ALLOWANCE-OPEN> 2,081,700
<CHARGE-OFFS> 59,261
<RECOVERIES> 20,622
<ALLOWANCE-CLOSE> 2,088,061
<ALLOWANCE-DOMESTIC> 2,088,061
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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