<ARTICLE>                                            9
<LEGEND>
         This schedule  contains summary  financial  information  extracted from
         Pacific  Financial  Corporation's  March  31,  2000,  Form  10-Q and is
         qualified in its entirety by reference to such financial statements and
         related data.
 </LEGEND>
<CIK>                         0001093728
<NAME>                        Pacific Financial Corporation
<MULTIPLIER>                                    1,000

                                            
<PERIOD-TYPE>                                  3-MOS
<FISCAL-YEAR-END>                         Dec-31-2000
<PERIOD-START>                            Jan-01-2000
<PERIOD-END>                              Mar-31-2000
<CASH>                                    10,740
<INT-BEARING-DEPOSITS>                     1,776
<FED-FUNDS-SOLD>                             125
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>               61,693
<INVESTMENTS-CARRYING>                     1,553
<INVESTMENTS-MARKET>                       1,553
<LOANS>                                  162,826
<ALLOWANCE>                                1,980
<TOTAL-ASSETS>                           246,112
<DEPOSITS>                               213,778
<SHORT-TERM>                               8,164
<LIABILITIES-OTHER>                        1,944
<LONG-TERM>                                    0
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                     497
<OTHER-SE>                                21,729
<TOTAL-LIABILITIES-AND-EQUITY>           246,112
<INTEREST-LOAN>                            3,855
<INTEREST-INVEST>                            958
<INTEREST-OTHER>                              36
<INTEREST-TOTAL>                           4,849
<INTEREST-DEPOSIT>                         1,786
<INTEREST-EXPENSE>                         1,915
<INTEREST-INCOME-NET>                      2,934
<LOAN-LOSSES>                                 53
<SECURITIES-GAINS>                             0
<EXPENSE-OTHER>                            1,746
<INCOME-PRETAX>                            1,491
<INCOME-PRE-EXTRAORDINARY>                 1,491
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                               1,024
<EPS-BASIC>                                 2.06
<EPS-DILUTED>                               2.04
<YIELD-ACTUAL>                              8.72
<LOANS-NON>                                  292
<LOANS-PAST>                                 978
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                           1,930
<CHARGE-OFFS>                                  8
<RECOVERIES>                                   5
<ALLOWANCE-CLOSE>                          1,980
<ALLOWANCE-DOMESTIC>                           0
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                    1,980