COMMUNITY BANCSHARES INC /NC/
10QSB, EX-27, 2000-08-04
NATIONAL COMMERCIAL BANKS
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<TABLE> <S> <C>

<ARTICLE>                   9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM COMMUNITY
BANCSHARES, INC. UNAUDITED FINANCIAL STATEMENTS FOR THE SIX-MONTH PERIOD ENDED
JUNE 30, 2000 AND 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
</LEGEND>

<S>                             <C>                     <C>
<PERIOD-TYPE>                   6-MOS                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000             DEC-31-1999
<PERIOD-END>                               JUN-30-2000             JUN-30-1999
<CASH>                                       3,373,128               3,880,371
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                             3,200,000                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                 19,961,273              22,003,718
<INVESTMENTS-CARRYING>                      10,796,984               1,627,909
<INVESTMENTS-MARKET>                        10,725,726               1,627,861
<LOANS>                                     76,063,358              74,225,486
<ALLOWANCE>                                  1,348,537               1,159,498
<TOTAL-ASSETS>                             115,633,991             103,817,337
<DEPOSITS>                                  95,834,744              90,382,784
<SHORT-TERM>                                 5,675,577                 992,385
<LIABILITIES-OTHER>                          1,067,607                 947,740
<LONG-TERM>                                          0                       0
                                0                       0
                                          0                       0
<COMMON>                                     4,448,652               4,398,852
<OTHER-SE>                                   8,607,411               7,095,576
<TOTAL-LIABILITIES-AND-EQUITY>             115,633,991             103,817,337
<INTEREST-LOAN>                              3,973,632               3,726,208
<INTEREST-INVEST>                              962,883                 725,067
<INTEREST-OTHER>                               141,305                       0
<INTEREST-TOTAL>                             5,077,820               4,451,275
<INTEREST-DEPOSIT>                           2,120,096               1,891,730
<INTEREST-EXPENSE>                           2,356,514               1,937,520
<INTEREST-INCOME-NET>                        2,721,306               2,513,755
<LOAN-LOSSES>                                   65,000                  50,000
<SECURITIES-GAINS>                            (26,159)                   1,759
<EXPENSE-OTHER>                              1,657,025               1,460,217
<INCOME-PRETAX>                              1,157,025               1,166,236
<INCOME-PRE-EXTRAORDINARY>                   1,157,025               1,166,236
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                   790,555                 698,213
<EPS-BASIC>                                        .53                     .48
<EPS-DILUTED>                                      .49                     .43
<YIELD-ACTUAL>                                    4.99                    5.01
<LOANS-NON>                                     33,500                       0
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                              1,554,608               2,928,425
<ALLOWANCE-OPEN>                             1,228,895               1,106,830
<CHARGE-OFFS>                                   20,883                  10,948
<RECOVERIES>                                    75,525                  13,616
<ALLOWANCE-CLOSE>                            1,348,537               1,159,498
<ALLOWANCE-DOMESTIC>                         1,320,000               1,140,000
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                         28,537                  19,498




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