BEACH FIRST NATIONAL BANCSHARES INC
10QSB, EX-27, 2000-11-14
NATIONAL COMMERCIAL BANKS
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<TABLE> <S> <C>

<ARTICLE>                      9
<CIK>                          0000949228
<NAME>                         BEACH FIRST NATIONAL BANCSHARES, INC.

<S>                             <C>
<PERIOD-TYPE>                  9-MOS
<FISCAL-YEAR-END>              DEC-31-2000
<PERIOD-START>                 JAN-01-2000
<PERIOD-END>                   SEP-30-2000
<CASH>                         1,560,665
<INT-BEARING-DEPOSITS>         6,801,503
<FED-FUNDS-SOLD>               2,490,000
<TRADING-ASSETS>               0
<INVESTMENTS-HELD-FOR-SALE>    8,440,763
<INVESTMENTS-CARRYING>         0
<INVESTMENTS-MARKET>           0
<LOANS>                        41,006,693
<ALLOWANCE>                    533,112
<TOTAL-ASSETS>                 61,875,797
<DEPOSITS>                     55,003,623
<SHORT-TERM>                   0
<LIABILITIES-OTHER>            351,221
<LONG-TERM>                    0
          0
                    0
<COMMON>                       735,868
<OTHER-SE>                     5,785,085
<TOTAL-LIABILITIES-AND-EQUITY> 61,875,797
<INTEREST-LOAN>                2,679,675
<INTEREST-INVEST>              448,487
<INTEREST-OTHER>               175,042
<INTEREST-TOTAL>               3,303,204
<INTEREST-DEPOSIT>             1,651,373
<INTEREST-EXPENSE>             1,704,779
<INTEREST-INCOME-NET>          1,598,425
<LOAN-LOSSES>                  163,107
<SECURITIES-GAINS>             (6,825)
<EXPENSE-OTHER>                1,370,848
<INCOME-PRETAX>                273,112
<INCOME-PRE-EXTRAORDINARY>     171,907
<EXTRAORDINARY>                0
<CHANGES>                      0
<NET-INCOME>                   171,907
<EPS-BASIC>                    .23
<EPS-DILUTED>                  .22
<YIELD-ACTUAL>                 8.74
<LOANS-NON>                    39,056
<LOANS-PAST>                   0
<LOANS-TROUBLED>               0
<LOANS-PROBLEM>                0
<ALLOWANCE-OPEN>               408,878
<CHARGE-OFFS>                  38,873
<RECOVERIES>                   0
<ALLOWANCE-CLOSE>              533,112
<ALLOWANCE-DOMESTIC>           533,112
<ALLOWANCE-FOREIGN>            0
<ALLOWANCE-UNALLOCATED>        0


</TABLE>


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