<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS FINANCIAL INFORMATION EXTRACTED FROM THE CONSOLIDATED
FINANCIAL STATEMENTS OF PCB HOLDING COMPANY FOR THE NINE MONTHS ENDED SEPTEMBER
30, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                              89
<INT-BEARING-DEPOSITS>                           1,654
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      1,125
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         25,711
<ALLOWANCE>                                         55
<TOTAL-ASSETS>                                  29,473
<DEPOSITS>                                      21,239
<SHORT-TERM>                                       500
<LIABILITIES-OTHER>                                 68
<LONG-TERM>                                      2,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         3,818
<OTHER-SE>                                       1,848
<TOTAL-LIABILITIES-AND-EQUITY>                  29,473
<INTEREST-LOAN>                                  1,464
<INTEREST-INVEST>                                   55
<INTEREST-OTHER>                                    91
<INTEREST-TOTAL>                                 1,610
<INTEREST-DEPOSIT>                                 793
<INTEREST-EXPENSE>                                 915
<INTEREST-INCOME-NET>                              695
<LOAN-LOSSES>                                        7
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    557
<INCOME-PRETAX>                                    161
<INCOME-PRE-EXTRAORDINARY>                         161
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                        99
<EPS-BASIC>                                        .26
<EPS-DILUTED>                                      .26
<YIELD-ACTUAL>                                    7.45
<LOANS-NON>                                         21
<LOANS-PAST>                                       196
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                    54
<CHARGE-OFFS>                                        6
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                   55
<ALLOWANCE-DOMESTIC>                                55
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0