VALLEY FINANCIAL CORP /VA/
10QSB, EX-27, 2000-11-14
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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<TABLE> <S> <C>


<ARTICLE>                                            9
<CIK>                                             0000921590
<NAME>                                            VALLEY FINANCIAL CORP/VA/
<MULTIPLIER>                                      1,000

<S>                             <C>
<PERIOD-TYPE>                                     9-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-START>                                 JAN-01-2000
<PERIOD-END>                                   SEP-30-2000
<CASH>                                         4,263
<INT-BEARING-DEPOSITS>                         74
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<INVESTMENTS-MARKET>                           0
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<DEPOSITS>                                     118,921
<SHORT-TERM>                                   10,217
<LIABILITIES-OTHER>                            1,303
<LONG-TERM>                                    12,300
                          0
                                    0
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<INTEREST-EXPENSE>                             4,510
<INTEREST-INCOME-NET>                          4,051
<LOAN-LOSSES>                                  203
<SECURITIES-GAINS>                             0
<EXPENSE-OTHER>                                2,665
<INCOME-PRETAX>                                1,515
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<EXTRAORDINARY>                                0
<CHANGES>                                      0
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<EPS-BASIC>                                    1.05
<EPS-DILUTED>                                  1.00
<YIELD-ACTUAL>                                 4.03
<LOANS-NON>                                    102
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<CHARGE-OFFS>                                  1
<RECOVERIES>                                   0
<ALLOWANCE-CLOSE>                              1,112
<ALLOWANCE-DOMESTIC>                           1,112
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        1,082


</TABLE>


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