<ARTICLE> 9 <CIK> 0000743367 <NAME> BAR HARBOR BANKSHARES <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> SEP-30-2000 <CASH> 10,984 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 39,402 <INVESTMENTS-CARRYING> 118,226 <INVESTMENTS-MARKET> 116,632 <LOANS> 276,526 <ALLOWANCE> (4,000) <TOTAL-ASSETS> 473,295 <DEPOSITS> 291,017 <SHORT-TERM> 92,302 <LIABILITIES-OTHER> 4,798 <LONG-TERM> 35,452 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 7,287 <OTHER-SE> 42,439 <TOTAL-LIABILITIES-AND-EQUITY> 473,295 <INTEREST-LOAN> 17,868 <INTEREST-INVEST> 8,543 <INTEREST-OTHER> 36 <INTEREST-TOTAL> 26,447 <INTEREST-DEPOSIT> 6,626 <INTEREST-EXPENSE> 13,046 <INTEREST-INCOME-NET> 13,401 <LOAN-LOSSES> 489 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 12,731 <INCOME-PRETAX> 5,108 <INCOME-PRE-EXTRAORDINARY> 5,108 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,388 <EPS-BASIC> 1.00 <EPS-DILUTED> 1.00 <YIELD-ACTUAL> 8.04 <LOANS-NON> 3,647 <LOANS-PAST> 3,465 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,000 <CHARGE-OFFS> 843 <RECOVERIES> 61 <ALLOWANCE-CLOSE> 4,000 <ALLOWANCE-DOMESTIC> 4,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0