CENIT BANCORP INC
10-Q, EX-27, 2000-11-09
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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<TABLE> <S> <C>


<ARTICLE>                          9
<MULTIPLIER>                       1,000

<S>                                <C>
<PERIOD-TYPE>                      9-MOS
<FISCAL-YEAR-END>                  DEC-31-2000
<PERIOD-START>                     JAN-1-2000
<PERIOD-END>                       SEP-30-2000
<CASH>                             16,811
<INT-BEARING-DEPOSITS>             0
<FED-FUNDS-SOLD>                   12,468
<TRADING-ASSETS>                   0
<INVESTMENTS-HELD-FOR-SALE>        106,341
<INVESTMENTS-CARRYING>             0
<INVESTMENTS-MARKET>               0
<LOANS>                            475,472
<ALLOWANCE>                        3,813
<TOTAL-ASSETS>                     640,527
<DEPOSITS>                         482,420
<SHORT-TERM>                       63,627
<LIABILITIES-OTHER>                4,361
<LONG-TERM>                        40,000
              0
                        0
<COMMON>                           45
<OTHER-SE>                         50,074
<TOTAL-LIABILITIES-AND-EQUITY>     640,527
<INTEREST-LOAN>                    28,100
<INTEREST-INVEST>                  6,004
<INTEREST-OTHER>                   779
<INTEREST-TOTAL>                   34,883
<INTEREST-DEPOSIT>                 13,337
<INTEREST-EXPENSE>                 18,695
<INTEREST-INCOME-NET>              16,188
<LOAN-LOSSES>                      48
<SECURITIES-GAINS>                 16
<EXPENSE-OTHER>                    14,173
<INCOME-PRETAX>                    7,128
<INCOME-PRE-EXTRAORDINARY>         4,562
<EXTRAORDINARY>                    0
<CHANGES>                          0
<NET-INCOME>                       4,562
<EPS-BASIC>                        1.02
<EPS-DILUTED>                      1.01
<YIELD-ACTUAL>                     3.51
<LOANS-NON>                        1,627
<LOANS-PAST>                       258
<LOANS-TROUBLED>                   0
<LOANS-PROBLEM>                    0
<ALLOWANCE-OPEN>                   3,860
<CHARGE-OFFS>                      155
<RECOVERIES>                       60
<ALLOWANCE-CLOSE>                  3,813
<ALLOWANCE-DOMESTIC>               3,813
<ALLOWANCE-FOREIGN>                0
<ALLOWANCE-UNALLOCATED>            0


</TABLE>


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