<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS FINANCIAL INFORMATION EXTRACTED FROM THE UNAUDITED
CONSOLIDATED FINANCIAL STATEMENTS FOR VIRGINIA CAPITAL BANCSHARES, INC. FOR THE
YEAR ENDED DECEMBER 31, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH UNAUDITED FINANCIAL STATEMENTS.
</LEGEND>

                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                           1,930
<INT-BEARING-DEPOSITS>                          16,625
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     81,884
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                               693
<LOANS>                                        427,768
<ALLOWANCE>                                      5,689
<TOTAL-ASSETS>                                 541,639
<DEPOSITS>                                     357,289
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                             11,256
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           108
<OTHER-SE>                                     172,986
<TOTAL-LIABILITIES-AND-EQUITY>                 541,639
<INTEREST-LOAN>                                 32,110
<INTEREST-INVEST>                                4,500
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                38,894
<INTEREST-DEPOSIT>                              16,542
<INTEREST-EXPENSE>                              17,017
<INTEREST-INCOME-NET>                                0
<LOAN-LOSSES>                                      116
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  8,843
<INCOME-PRETAX>                                 14,553
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     9,040
<EPS-BASIC>                                        .88
<EPS-DILUTED>                                      .88
<YIELD-ACTUAL>                                    7.18
<LOANS-NON>                                      4,331
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 1,422
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 5,684
<CHARGE-OFFS>                                      142
<RECOVERIES>                                        31
<ALLOWANCE-CLOSE>                                5,689
<ALLOWANCE-DOMESTIC>                             3,602
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,087