VRB BANCORP
10-Q, EX-27.0, 2000-11-14
STATE COMMERCIAL BANKS
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<TABLE> <S> <C>

<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>                                          30,172
<INT-BEARING-DEPOSITS>                           9,900
<FED-FUNDS-SOLD>                                 2,500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     54,769
<INVESTMENTS-CARRYING>                          17,059
<INVESTMENTS-MARKET>                            17,254
<LOANS>                                        227,644
<ALLOWANCE>                                      3,498
<TOTAL-ASSETS>                                 347,778
<DEPOSITS>                                     309,738
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              2,455
<LONG-TERM>                                          0
                                0
                                          0
<COMMON>                                        18,747
<OTHER-SE>                                      16,838
<TOTAL-LIABILITIES-AND-EQUITY>                 347,778
<INTEREST-LOAN>                                 14,460
<INTEREST-INVEST>                                3,108
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                17,868
<INTEREST-DEPOSIT>                               5,392
<INTEREST-EXPENSE>                                 153
<INTEREST-INCOME-NET>                           12,322
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  8,357
<INCOME-PRETAX>                                  5,824
<INCOME-PRE-EXTRAORDINARY>                       3,556
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,556
<EPS-BASIC>                                       0.43
<EPS-DILUTED>                                     0.43
<YIELD-ACTUAL>                                    5.85
<LOANS-NON>                                        157
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,503
<CHARGE-OFFS>                                       18
<RECOVERIES>                                        12
<ALLOWANCE-CLOSE>                                3,497
<ALLOWANCE-DOMESTIC>                             3,497
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>


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