POTOMAC BANCSHARES INC
10-Q, EX-27, 2000-08-10
STATE COMMERCIAL BANKS
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<TABLE> <S> <C>

<PAGE>

<ARTICLE> 9
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                           5,988
<INT-BEARING-DEPOSITS>                             107
<FED-FUNDS-SOLD>                                 1,118
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     26,297
<INVESTMENTS-CARRYING>                          22,910
<INVESTMENTS-MARKET>                            22,788
<LOANS>                                         83,248
<ALLOWANCE>                                      1,245
<TOTAL-ASSETS>                                 143,559
<DEPOSITS>                                     124,926
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,099
<LONG-TERM>                                          0
                                0
                                          0
<COMMON>                                           600
<OTHER-SE>                                      16,641
<TOTAL-LIABILITIES-AND-EQUITY>                 143,559
<INTEREST-LOAN>                                  3,412
<INTEREST-INVEST>                                1,412
<INTEREST-OTHER>                                   250
<INTEREST-TOTAL>                                 5,074
<INTEREST-DEPOSIT>                               1,960
<INTEREST-EXPENSE>                               1,960
<INTEREST-INCOME-NET>                            3,114
<LOAN-LOSSES>                                       50
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,297
<INCOME-PRETAX>                                  1,333
<INCOME-PRE-EXTRAORDINARY>                         845
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       845
<EPS-BASIC>                                       1.41
<EPS-DILUTED>                                     1.41
<YIELD-ACTUAL>                                    7.43
<LOANS-NON>                                          0
<LOANS-PAST>                                       339
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                     61
<ALLOWANCE-OPEN>                                 1,218
<CHARGE-OFFS>                                       45
<RECOVERIES>                                        22
<ALLOWANCE-CLOSE>                                1,245
<ALLOWANCE-DOMESTIC>                             1,245
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>


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