MCB FINANCIAL CORP
10QSB, EX-27, 2000-08-14
NATIONAL COMMERCIAL BANKS
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<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                          11,358
<INT-BEARING-DEPOSITS>                             286
<FED-FUNDS-SOLD>                                10,900
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     26,228
<INVESTMENTS-CARRYING>                           2,000
<INVESTMENTS-MARKET>                             1,979
<LOANS>                                        147,627
<ALLOWANCE>                                      1,742
<TOTAL-ASSETS>                                 202,508
<DEPOSITS>                                     184,793
<SHORT-TERM>                                       750
<LIABILITIES-OTHER>                              1,622
<LONG-TERM>                                          0
                                0
                                          0
<COMMON>                                        10,512
<OTHER-SE>                                       4,831
<TOTAL-LIABILITIES-AND-EQUITY>                 202,508
<INTEREST-LOAN>                                  7,387
<INTEREST-INVEST>                                  917
<INTEREST-OTHER>                                   317
<INTEREST-TOTAL>                                 8,621
<INTEREST-DEPOSIT>                               2,568
<INTEREST-EXPENSE>                               2,584
<INTEREST-INCOME-NET>                            6,037
<LOAN-LOSSES>                                      220
<SECURITIES-GAINS>                                 (2)
<EXPENSE-OTHER>                                  3,852
<INCOME-PRETAX>                                  2,413
<INCOME-PRE-EXTRAORDINARY>                       2,413
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,414
<EPS-BASIC>                                     0.69
<EPS-DILUTED>                                     0.66
<YIELD-ACTUAL>                                    9.28
<LOANS-NON>                                        126
<LOANS-PAST>                                        40
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,492
<CHARGE-OFFS>                                        0
<RECOVERIES>                                        30
<ALLOWANCE-CLOSE>                                1,742
<ALLOWANCE-DOMESTIC>                               962
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            780


</TABLE>


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