<ARTICLE> 9 <CIK> 0000356858 <NAME> First Banking Center, Inc. <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-Mos <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> Sep-30-2000 <CASH> 12,623 <INT-BEARING-DEPOSITS> 743 <FED-FUNDS-SOLD> 2,121 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 62,546 <INVESTMENTS-MARKET> 62,878 <LOANS> 311,454 <ALLOWANCE> 3,926 <TOTAL-ASSETS> 404,945 <DEPOSITS> 321,462 <SHORT-TERM> 21,986 <LIABILITIES-OTHER> 3,824 <LONG-TERM> 21,176 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,489 <OTHER-SE> 35,934 <TOTAL-LIABILITIES-AND-EQUITY> 404,945 <INTEREST-LOAN> 20,436 <INTEREST-INVEST> 2,468 <INTEREST-OTHER> 146 <INTEREST-TOTAL> 23,050 <INTEREST-DEPOSIT> 9,142 <INTEREST-EXPENSE> 11,115 <INTEREST-INCOME-NET> 11,935 <LOAN-LOSSES> 270 <SECURITIES-GAINS> (5) <EXPENSE-OTHER> 9,133 <INCOME-PRETAX> 4,803 <INCOME-PRE-EXTRAORDINARY> 4,803 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,465 <EPS-BASIC> 2.36 <EPS-DILUTED> 2.33 <YIELD-ACTUAL> 3.27 <LOANS-NON> 1,365 <LOANS-PAST> 5,925 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,581 <CHARGE-OFFS> 78 <RECOVERIES> 153 <ALLOWANCE-CLOSE> 3,926 <ALLOWANCE-DOMESTIC> 3,926 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 723