JAMES RIVER BANKSHARES INC
10-Q, EX-27, 2000-11-13
STATE COMMERCIAL BANKS
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<TABLE> <S> <C>

<PAGE>

<ARTICLE> 9
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                          11,693
<INT-BEARING-DEPOSITS>                           1,385
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    100,892
<INVESTMENTS-CARRYING>                          12,692
<INVESTMENTS-MARKET>                            12,600
<LOANS>                                        359,370
<ALLOWANCE>                                      5,027
<TOTAL-ASSETS>                                 505,601
<DEPOSITS>                                     430,175
<SHORT-TERM>                                    12,700
<LIABILITIES-OTHER>                              4,265
<LONG-TERM>                                      5,000
                           22,874
                                          0
<COMMON>                                             0
<OTHER-SE>                                      30,586
<TOTAL-LIABILITIES-AND-EQUITY>                 505,601
<INTEREST-LOAN>                                 23,041
<INTEREST-INVEST>                                5,181
<INTEREST-OTHER>                                   290
<INTEREST-TOTAL>                                28,512
<INTEREST-DEPOSIT>                              10,964
<INTEREST-EXPENSE>                              11,895
<INTEREST-INCOME-NET>                           16,617
<LOAN-LOSSES>                                      427
<SECURITIES-GAINS>                                 (1)
<EXPENSE-OTHER>                                 12,624
<INCOME-PRETAX>                                  4,411
<INCOME-PRE-EXTRAORDINARY>                       4,411
<EXTRAORDINARY>                                  (219)
<CHANGES>                                            0
<NET-INCOME>                                     4,192
<EPS-BASIC>                                       0.91
<EPS-DILUTED>                                     0.91
<YIELD-ACTUAL>                                   10.73
<LOANS-NON>                                        822
<LOANS-PAST>                                     5,115
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,788
<CHARGE-OFFS>                                      339
<RECOVERIES>                                       152
<ALLOWANCE-CLOSE>                                5,027
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          5,027


</TABLE>


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