<ARTICLE> 9 <LEGEND> This schedule contains summary financial information extracted from the financial statements contained in the CCBT Financial Companies, Inc. Annual Report on Form 10-K for the twelve months ended December 31, 1999 and is qualified in its entirety by reference to such financial statements. </LEGEND> <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> DEC-31-1999 <CASH> 43,415,100 <INT-BEARING-DEPOSITS> 826,994 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 464,759,748 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 674,942,548 <ALLOWANCE> (11,158,126) <TOTAL-ASSETS> 1,231,114,346 <DEPOSITS> 766,063,617 <SHORT-TERM> 19,345,885 <LIABILITIES-OTHER> 12,092,234 <LONG-TERM> 347,962,999 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 22,652,660 <OTHER-SE> 62,996,951 <TOTAL-LIABILITIES-AND-EQUITY> 1,231,114,346 <INTEREST-LOAN> 49,206,774 <INTEREST-INVEST> 29,900,474 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 79,107,248 <INTEREST-DEPOSIT> 18,028,054 <INTEREST-EXPENSE> 38,311,137 <INTEREST-INCOME-NET> 40,796,111 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 234,301 <EXPENSE-OTHER> 36,517,988 <INCOME-PRETAX> 26,547,483 <INCOME-PRE-EXTRAORDINARY> 26,547,483 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 16,461,093 <EPS-BASIC> 1.85 <EPS-DILUTED> 1.85 <YIELD-ACTUAL> 3.49 <LOANS-NON> 1,777,000 <LOANS-PAST> 0 <LOANS-TROUBLED> 626,000 <LOANS-PROBLEM> 3,803,789 <ALLOWANCE-OPEN> 11,107,633 <CHARGE-OFFS> 610,238 <RECOVERIES> 660,731 <ALLOWANCE-CLOSE> 11,158,126 <ALLOWANCE-DOMESTIC> 11,158,126 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0