VALRICO BANCORP INC
10-Q, EX-27, 2000-11-13
STATE COMMERCIAL BANKS
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<TABLE> <S> <C>

<ARTICLE> 9

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                           4,503
<INT-BEARING-DEPOSITS>                             108
<FED-FUNDS-SOLD>                                 8,463
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      7,076
<INVESTMENTS-CARRYING>                           1,751
<INVESTMENTS-MARKET>                             1,789
<LOANS>                                         67,120
<ALLOWANCE>                                        929
<TOTAL-ASSETS>                                  93,495
<DEPOSITS>                                      81,929
<SHORT-TERM>                                       970
<LIABILITIES-OTHER>                              1,126
<LONG-TERM>                                      3,124
                                0
                                          0
<COMMON>                                           303
<OTHER-SE>                                       2,479
<TOTAL-LIABILITIES-AND-EQUITY>                  93,495
<INTEREST-LOAN>                                  4,600
<INTEREST-INVEST>                                  360
<INTEREST-OTHER>                                   391
<INTEREST-TOTAL>                                 5,377
<INTEREST-DEPOSIT>                               1,857
<INTEREST-EXPENSE>                               2,095
<INTEREST-INCOME-NET>                            3,282
<LOAN-LOSSES>                                      180
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,667
<INCOME-PRETAX>                                  1,120
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       687
<EPS-BASIC>                                       2.27
<EPS-DILUTED>                                     2.27
<YIELD-ACTUAL>                                    5.11
<LOANS-NON>                                        572
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                    21
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   778
<CHARGE-OFFS>                                      113
<RECOVERIES>                                        84
<ALLOWANCE-CLOSE>                                  929
<ALLOWANCE-DOMESTIC>                               929
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>


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