<ARTICLE> 9 <CIK> 0000353650 <NAME> BWC FINANCIAL CORP. <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> SEP-30-2000 <CASH> 17557000 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 7644000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 51759000 <INVESTMENTS-CARRYING> 10017000 <INVESTMENTS-MARKET> 9943000 <LOANS> 242234000 <ALLOWANCE> 5139000 <TOTAL-ASSETS> 334060000 <DEPOSITS> 298194000 <SHORT-TERM> 0 <LIABILITIES-OTHER> 3148000 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 23771000 <OTHER-SE> 8947000 <TOTAL-LIABILITIES-AND-EQUITY> 32718000 <INTEREST-LOAN> 20244000 <INTEREST-INVEST> 2762000 <INTEREST-OTHER> 358000 <INTEREST-TOTAL> 23364000 <INTEREST-DEPOSIT> 6448000 <INTEREST-EXPENSE> 6514000 <INTEREST-INCOME-NET> 16850000 <LOAN-LOSSES> 775000 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 12554000 <INCOME-PRETAX> 7458000 <INCOME-PRE-EXTRAORDINARY> 7458000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4713000 <EPS-BASIC> 1.63 <EPS-DILUTED> 1.46 <YIELD-ACTUAL> 7.62 <LOANS-NON> 206000 <LOANS-PAST> 12000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 2746000 <ALLOWANCE-OPEN> 4466000 <CHARGE-OFFS> 178000 <RECOVERIES> 76000 <ALLOWANCE-CLOSE> 5139000 <ALLOWANCE-DOMESTIC> 3358000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1781000