VRB BANCORP
10-Q, EX-27, 2000-08-02
STATE COMMERCIAL BANKS
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<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                              JAN-1-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                          17,723
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     55,949
<INVESTMENTS-CARRYING>                          17,243
<INVESTMENTS-MARKET>                            16,890
<LOANS>                                        219,019
<ALLOWANCE>                                      3,494
<TOTAL-ASSETS>                                 326,595
<DEPOSITS>                                     279,077
<SHORT-TERM>                                    11,000
<LIABILITIES-OTHER>                              1,592
<LONG-TERM>                                          0
                                0
                                          0
<COMMON>                                        18,686
<OTHER-SE>                                      16,240
<TOTAL-LIABILITIES-AND-EQUITY>                 326,595
<INTEREST-LOAN>                                  9,387
<INTEREST-INVEST>                                2,226
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                11,613
<INTEREST-DEPOSIT>                               3,380
<INTEREST-EXPENSE>                                   0
<INTEREST-INCOME-NET>                            8,122
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  5,437
<INCOME-PRETAX>                                  3,901
<INCOME-PRE-EXTRAORDINARY>                       2,458
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    12,458
<EPS-BASIC>                                        .30
<EPS-DILUTED>                                      .30
<YIELD-ACTUAL>                                    5.94
<LOANS-NON>                                        202
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,503
<CHARGE-OFFS>                                       19
<RECOVERIES>                                        10
<ALLOWANCE-CLOSE>                                3,494
<ALLOWANCE-DOMESTIC>                             3,494
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>


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