MERRILL MERCHANTS BANCSHARES INC
10QSB, EX-27, 2000-08-09
FUNCTIONS RELATED TO DEPOSITORY BANKING, NEC
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<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                           8,973
<INT-BEARING-DEPOSITS>                              34
<FED-FUNDS-SOLD>                                 5,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     54,405
<INVESTMENTS-CARRYING>                              65
<INVESTMENTS-MARKET>                                65
<LOANS>                                        154,213
<ALLOWANCE>                                      2,475
<TOTAL-ASSETS>                                 231,128
<DEPOSITS>                                     188,231
<SHORT-TERM>                                    18,602
<LIABILITIES-OTHER>                              2,123
<LONG-TERM>                                        300
                                0
                                         20
<COMMON>                                         2,661
<OTHER-SE>                                      19,191
<TOTAL-LIABILITIES-AND-EQUITY>                 231,128
<INTEREST-LOAN>                                  6,851
<INTEREST-INVEST>                                1,671
<INTEREST-OTHER>                                    53
<INTEREST-TOTAL>                                 8,575
<INTEREST-DEPOSIT>                               3,311
<INTEREST-EXPENSE>                               3,812
<INTEREST-INCOME-NET>                            4,763
<LOAN-LOSSES>                                      213
<SECURITIES-GAINS>                                  42
<EXPENSE-OTHER>                                  4,418
<INCOME-PRETAX>                                  1,824
<INCOME-PRE-EXTRAORDINARY>                       1,203
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,203
<EPS-BASIC>                                       0.45
<EPS-DILUTED>                                     0.40
<YIELD-ACTUAL>                                    4.61
<LOANS-NON>                                        292
<LOANS-PAST>                                        11
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,724
<CHARGE-OFFS>                                       26
<RECOVERIES>                                        14
<ALLOWANCE-CLOSE>                                2,475
<ALLOWANCE-DOMESTIC>                             1,539
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            553


</TABLE>


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