<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