CENIT BANCORP INC
10-Q, EX-27, 2000-08-14
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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<TABLE> <S> <C>


<ARTICLE>                                      9
<MULTIPLIER>                                   1000

<S>                                            <C>
<PERIOD-TYPE>                                  6-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-START>                                 JAN-01-2000
<PERIOD-END>                                   JUN-30-2000
<CASH>                                         25,626
<INT-BEARING-DEPOSITS>                         0
<FED-FUNDS-SOLD>                               10,964
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    109,614
<INVESTMENTS-CARRYING>                         0
<INVESTMENTS-MARKET>                           0
<LOANS>                                        479,535
<ALLOWANCE>                                    3,842
<TOTAL-ASSETS>                                 656,031
<DEPOSITS>                                     500,775
<SHORT-TERM>                                   86,006
<LIABILITIES-OTHER>                            3,851
<LONG-TERM>                                    15,000
                          0
                                    0
<COMMON>                                       46
<OTHER-SE>                                     50,353
<TOTAL-LIABILITIES-AND-EQUITY>                 656,031
<INTEREST-LOAN>                                18,454
<INTEREST-INVEST>                              4,275
<INTEREST-OTHER>                               520
<INTEREST-TOTAL>                               23,249
<INTEREST-DEPOSIT>                             8,758
<INTEREST-EXPENSE>                             12,472
<INTEREST-INCOME-NET>                          10,777
<LOAN-LOSSES>                                  29
<SECURITIES-GAINS>                             16
<EXPENSE-OTHER>                                9,396
<INCOME-PRETAX>                                4,581
<INCOME-PRE-EXTRAORDINARY>                     2,932
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   2,932
<EPS-BASIC>                                    .65
<EPS-DILUTED>                                  .64
<YIELD-ACTUAL>                                 3.48
<LOANS-NON>                                    390
<LOANS-PAST>                                   680
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               3,860
<CHARGE-OFFS>                                  87
<RECOVERIES>                                   40
<ALLOWANCE-CLOSE>                              3,842
<ALLOWANCE-DOMESTIC>                           3,842
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        0


</TABLE>


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