COVEST BANCSHARES INC
10-Q, EX-27, 2000-07-26
NATIONAL COMMERCIAL BANKS
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<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Financial Statements at June 30, 2000.
</LEGEND>

<S>                             <C>        <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                           8,944
<INT-BEARING-DEPOSITS>                           3,452
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     61,764
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                            61,764
<LOANS>                                        467,246
<ALLOWANCE>                                      5,240
<TOTAL-ASSETS>                                 553,500
<DEPOSITS>                                     424,198
<SHORT-TERM>                                    52,565
<LIABILITIES-OTHER>                             11,226
<LONG-TERM>                                     19,000
                                0
                                          0
<COMMON>                                            44
<OTHER-SE>                                      46,467
<TOTAL-LIABILITIES-AND-EQUITY>                 553,500
<INTEREST-LOAN>                                 18,821
<INTEREST-INVEST>                                2,099
<INTEREST-OTHER>                                   278
<INTEREST-TOTAL>                                21,198
<INTEREST-DEPOSIT>                               9,822
<INTEREST-EXPENSE>                              12,713
<INTEREST-INCOME-NET>                            8,485
<LOAN-LOSSES>                                      510
<SECURITIES-GAINS>                                 (96)
<EXPENSE-OTHER>                                  5,968
<INCOME-PRETAX>                                  3,437
<INCOME-PRE-EXTRAORDINARY>                       3,437
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,222
<EPS-BASIC>                                      .54
<EPS-DILUTED>                                      .54
<YIELD-ACTUAL>                                    7.82
<LOANS-NON>                                        609
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,833
<CHARGE-OFFS>                                      118
<RECOVERIES>                                        15
<ALLOWANCE-CLOSE>                                5,240
<ALLOWANCE-DOMESTIC>                             5,240
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          5,240


</TABLE>


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