POTOMAC BANCSHARES INC
10QSB, EX-27, 2000-11-09
STATE COMMERCIAL BANKS
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<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<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>                                           5,804
<INT-BEARING-DEPOSITS>                             117
<FED-FUNDS-SOLD>                                 8,072
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     22,453
<INVESTMENTS-CARRYING>                          20,918
<INVESTMENTS-MARKET>                            20,994
<LOANS>                                         85,545
<ALLOWANCE>                                      1,273
<TOTAL-ASSETS>                                 146,875
<DEPOSITS>                                     127,845
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                965
<LONG-TERM>                                          0
                                0
                                          0
<COMMON>                                           600
<OTHER-SE>                                      17,175
<TOTAL-LIABILITIES-AND-EQUITY>                 146,875
<INTEREST-LOAN>                                  5,256
<INTEREST-INVEST>                                2,092
<INTEREST-OTHER>                                   332
<INTEREST-TOTAL>                                 7,680
<INTEREST-DEPOSIT>                               2,953
<INTEREST-EXPENSE>                               2,954
<INTEREST-INCOME-NET>                            4,726
<LOAN-LOSSES>                                       88
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,477
<INCOME-PRETAX>                                  2,016
<INCOME-PRE-EXTRAORDINARY>                       1,277
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,277
<EPS-BASIC>                                       2.13
<EPS-DILUTED>                                     2.13
<YIELD-ACTUAL>                                    7.50
<LOANS-NON>                                          0
<LOANS-PAST>                                        59
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                     54
<ALLOWANCE-OPEN>                                 1,218
<CHARGE-OFFS>                                       60
<RECOVERIES>                                        27
<ALLOWANCE-CLOSE>                                1,273
<ALLOWANCE-DOMESTIC>                             1,273
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>


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