MERRILL MERCHANTS BANCSHARES INC
10QSB, EX-27, 2000-11-13
FUNCTIONS RELATED TO DEPOSITORY BANKING, NEC
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<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                           7,485
<INT-BEARING-DEPOSITS>                              58
<FED-FUNDS-SOLD>                                 2,800
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     55,378
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        162,432
<ALLOWANCE>                                      2,571
<TOTAL-ASSETS>                                 236,558
<DEPOSITS>                                     190,271
<SHORT-TERM>                                    18,808
<LIABILITIES-OTHER>                              2,083
<LONG-TERM>                                      2,900
                                0
                                         20
<COMMON>                                         2,661
<OTHER-SE>                                      19,815
<TOTAL-LIABILITIES-AND-EQUITY>                 236,558
<INTEREST-LOAN>                                 10,718
<INTEREST-INVEST>                                2,497
<INTEREST-OTHER>                                    76
<INTEREST-TOTAL>                                13,291
<INTEREST-DEPOSIT>                               5,213
<INTEREST-EXPENSE>                               5,941
<INTEREST-INCOME-NET>                            7,350
<LOAN-LOSSES>                                      318
<SECURITIES-GAINS>                                  42
<EXPENSE-OTHER>                                  6,580
<INCOME-PRETAX>                                  2,864
<INCOME-PRE-EXTRAORDINARY>                       1,905
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,905
<EPS-BASIC>                                       0.71
<EPS-DILUTED>                                     0.63
<YIELD-ACTUAL>                                    4.66
<LOANS-NON>                                        334
<LOANS-PAST>                                       120
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,274
<CHARGE-OFFS>                                       41
<RECOVERIES>                                        20
<ALLOWANCE-CLOSE>                                2,571
<ALLOWANCE-DOMESTIC>                             1,991
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            580


</TABLE>


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