HARBOR BANKSHARES CORP
10QSB, EX-27, 2000-08-10
STATE COMMERCIAL BANKS
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<TABLE> <S> <C>

<PAGE>

<ARTICLE> 9
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                           3,905
<INT-BEARING-DEPOSITS>                             842
<FED-FUNDS-SOLD>                                    27
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     50,615
<INVESTMENTS-CARRYING>                              22
<INVESTMENTS-MARKET>                                22
<LOANS>                                        107,797
<ALLOWANCE>                                        709
<TOTAL-ASSETS>                                 171,591
<DEPOSITS>                                     150,990
<SHORT-TERM>                                     9,000
<LIABILITIES-OTHER>                                608
<LONG-TERM>                                      2,983
                                0
                                          0
<COMMON>                                             7
<OTHER-SE>                                           0
<TOTAL-LIABILITIES-AND-EQUITY>                 171,591
<INTEREST-LOAN>                                  4,650
<INTEREST-INVEST>                                1,826
<INTEREST-OTHER>                                    90
<INTEREST-TOTAL>                                 6,566
<INTEREST-DEPOSIT>                               2,649
<INTEREST-EXPENSE>                               2,924
<INTEREST-INCOME-NET>                            3,642
<LOAN-LOSSES>                                      196
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,819
<INCOME-PRETAX>                                    405
<INCOME-PRE-EXTRAORDINARY>                         405
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       267
<EPS-BASIC>                                       0.38
<EPS-DILUTED>                                     0.38
<YIELD-ACTUAL>                                    4.45
<LOANS-NON>                                        709
<LOANS-PAST>                                       347
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  1,421
<ALLOWANCE-OPEN>                                   678
<CHARGE-OFFS>                                      225
<RECOVERIES>                                        60
<ALLOWANCE-CLOSE>                                  709
<ALLOWANCE-DOMESTIC>                               709
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            168


</TABLE>


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