CROGHAN BANCSHARES INC
10-Q, EX-27, 2000-10-26
STATE COMMERCIAL BANKS
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<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEETS AND CONSOLIDATED STATEMENTS OF OPERATIONS AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                          10,180
<INT-BEARING-DEPOSITS>                              16
<FED-FUNDS-SOLD>                                 8,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     31,847
<INVESTMENTS-CARRYING>                          36,927
<INVESTMENTS-MARKET>                            36,674
<LOANS>                                        251,795
<ALLOWANCE>                                      3,188
<TOTAL-ASSETS>                                 356,263
<DEPOSITS>                                     278,083
<SHORT-TERM>                                    36,881
<LIABILITIES-OTHER>                              2,523
<LONG-TERM>                                      2,000
                                0
                                          0
<COMMON>                                        23,902
<OTHER-SE>                                      12,874
<TOTAL-LIABILITIES-AND-EQUITY>                 356,263
<INTEREST-LOAN>                                 15,964
<INTEREST-INVEST>                                2,993
<INTEREST-OTHER>                                    44
<INTEREST-TOTAL>                                19,001
<INTEREST-DEPOSIT>                               7,199
<INTEREST-EXPENSE>                               8,063
<INTEREST-INCOME-NET>                           10,938
<LOAN-LOSSES>                                      295
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  8,307
<INCOME-PRETAX>                                  4,057
<INCOME-PRE-EXTRAORDINARY>                       4,057
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,685
<EPS-BASIC>                                       1.41
<EPS-DILUTED>                                     1.41
<YIELD-ACTUAL>                                    4.58
<LOANS-NON>                                        353
<LOANS-PAST>                                     1,855
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  1,166
<ALLOWANCE-OPEN>                                 3,196
<CHARGE-OFFS>                                      581
<RECOVERIES>                                       278
<ALLOWANCE-CLOSE>                                3,188
<ALLOWANCE-DOMESTIC>                             3,188
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>


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