<ARTICLE>                     9
<LEGEND>
This schedule  contains  summary  financial  information  extracted from Pacific
Financial  Corporation's  September 30, 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
<CURRENCY>                                     U.S. DOLLARS

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-START>                                 JAN-01-2000
<PERIOD-END>                                   SEP-30-2000
<EXCHANGE-RATE>                                1
<CASH>                                         8,096
<INT-BEARING-DEPOSITS>                         3,194
<FED-FUNDS-SOLD>                               645
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    59,512
<INVESTMENTS-CARRYING>                         1,457
<INVESTMENTS-MARKET>                           1,457
<LOANS>                                        175,449
<ALLOWANCE>                                    2,144
<TOTAL-ASSETS>                                 256,242
<DEPOSITS>                                     224,810
<SHORT-TERM>                                   4,225
<LIABILITIES-OTHER>                            1,285
<LONG-TERM>                                    0
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       2,501
<OTHER-SE>                                     22,759
<TOTAL-LIABILITIES-AND-EQUITY>                 256,242
<INTEREST-LOAN>                                12,187
<INTEREST-INVEST>                              2,806
<INTEREST-OTHER>                               88
<INTEREST-TOTAL>                               15,081
<INTEREST-DEPOSIT>                             5,772
<INTEREST-EXPENSE>                             6,235
<INTEREST-INCOME-NET>                          8,846
<LOAN-LOSSES>                                  203
<SECURITIES-GAINS>                             0
<EXPENSE-OTHER>                                5,207
<INCOME-PRETAX>                                4,523
<INCOME-PRE-EXTRAORDINARY>                     4,523
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   3,048
<EPS-BASIC>                                    1.22
<EPS-DILUTED>                                  1.21
<YIELD-ACTUAL>                                 8.78
<LOANS-NON>                                    1,705
<LOANS-PAST>                                   1,663
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               1,930
<CHARGE-OFFS>                                  11
<RECOVERIES>                                   22
<ALLOWANCE-CLOSE>                              2,144
<ALLOWANCE-DOMESTIC>                           0
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        2,144