CAPITAL ONE FINANCIAL CORP
10-Q, EX-27, 2000-11-08
PERSONAL CREDIT INSTITUTIONS
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<TABLE> <S> <C>


<ARTICLE>                                      9
<CIK>                                          0000927628
<NAME>                                         COFC
<MULTIPLIER>                                   1,000
<CURRENCY>                                     US Dollars

<S>                                            <C>
<PERIOD-TYPE>                                  3-mos
<FISCAL-YEAR-END>                              Dec-31-2000
<PERIOD-START>                                 Jul-01-2000
<PERIOD-END>                                   Sep-30-2000
<EXCHANGE-RATE>                                1
<CASH>                                         81,403
<INT-BEARING-DEPOSITS>                         128,377
<FED-FUNDS-SOLD>                               12,688
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    1,652,330
<INVESTMENTS-CARRYING>                         0
<INVESTMENTS-MARKET>                           0
<LOANS>                                        12,331,088
<ALLOWANCE>                                    (457,000)
<TOTAL-ASSETS>                                 16,378,825
<DEPOSITS>                                     6,323,924
<SHORT-TERM>                                   2,820,533
<LIABILITIES-OTHER>                            1,339,879
<LONG-TERM>                                    4,119,101
                          0
                                    0
<COMMON>                                       1,997
<OTHER-SE>                                     1,773,391
<TOTAL-LIABILITIES-AND-EQUITY>                 16,378,825
<INTEREST-LOAN>                                606,872
<INTEREST-INVEST>                              23,367
<INTEREST-OTHER>                               1,474
<INTEREST-TOTAL>                               631,713
<INTEREST-DEPOSIT>                             90,197
<INTEREST-EXPENSE>                             218,843
<INTEREST-INCOME-NET>                          412,870
<LOAN-LOSSES>                                  193,409
<SECURITIES-GAINS>                             0
<EXPENSE-OTHER>                                818,957
<INCOME-PRETAX>                                196,973
<INCOME-PRE-EXTRAORDINARY>                     0
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   122,123
<EPS-BASIC>                                  0.62
<EPS-DILUTED>                                  0.58
<YIELD-ACTUAL>                                 18.28
<LOANS-NON>                                    0
<LOANS-PAST>                                   885,564
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               407,000
<CHARGE-OFFS>                                  (211,099)
<RECOVERIES>                                   68,340
<ALLOWANCE-CLOSE>                              457,000
<ALLOWANCE-DOMESTIC>                           0
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        0


</TABLE>


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