<ARTICLE>          9
<LEGEND>

FIDELITY BANKSHARES, INC. AND SUBSIDIARY

Exhibit 27 - FINANCIAL DATA SCHEDULE

THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION
EXTRACTED FROM THE CONSOLIDATED BALANCE SHEET AS OF
SEPTEMBER 30, 2000 AND THE CONSOLIDATED STATEMENT OF
OPERATIONS FOR THREE MONTHS ENDED SEPTEMBER 30, 2000
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>

                                                  
<PERIOD-TYPE>                                        3-MOS
<FISCAL-YEAR-END>                                                   DEC-31-1999
<PERIOD-END>                                                        SEP-30-2000
<CASH>                                                                   47,027
<INT-BEARING-DEPOSITS>                                                    3,917
<FED-FUNDS-SOLD>                                                              0
<TRADING-ASSETS>                                                              0
<INVESTMENTS-HELD-FOR-SALE>                                             425,509
<INVESTMENTS-CARRYING>                                                        0
<INVESTMENTS-MARKET>                                                          0
<LOANS>                                                               1,328,192
<ALLOWANCE>                                                                 466
<TOTAL-ASSETS>                                                        1,904,850
<DEPOSITS>                                                            1,412,433
<SHORT-TERM>                                                             16,763
<LIABILITIES-OTHER>                                                      33,744
<LONG-TERM>                                                             355,039
<COMMON>                                                                    684
<PREFERRED-MANDATORY>                                                         0
<PREFERRED>                                                                   0
<OTHER-SE>                                                               86,187
<TOTAL-LIABILITIES-AND-EQUITY>                                        1,904,850
<INTEREST-LOAN>                                                          25,877
<INTEREST-INVEST>                                                         1,349
<INTEREST-OTHER>                                                          7,220
<INTEREST-TOTAL>                                                         34,446
<INTEREST-DEPOSIT>                                                       16,539
<INTEREST-EXPENSE>                                                        6,100
<INTEREST-INCOME-NET>                                                    11,807
<LOAN-LOSSES>                                                               363
<SECURITIES-GAINS>                                                            0
<EXPENSE-OTHER>                                                          11,464
<INCOME-PRETAX>                                                           2,963
<INCOME-PRE-EXTRAORDINARY>                                                2,963
<EXTRAORDINARY>                                                               0
<CHANGES>                                                                     0
<NET-INCOME>                                                              1,847
<EPS-BASIC>                                                              0.28
<EPS-DILUTED>                                                              0.28
<YIELD-ACTUAL>                                                             2.77
<LOANS-NON>                                                               3,798
<LOANS-PAST>                                                                  0
<LOANS-TROUBLED>                                                             87
<LOANS-PROBLEM>                                                           6,439
<ALLOWANCE-OPEN>                                                          4,117
<CHARGE-OFFS>                                                                14
<RECOVERIES>                                                                  0
<ALLOWANCE-CLOSE>                                                         4,466
<ALLOWANCE-DOMESTIC>                                                        505
<ALLOWANCE-FOREIGN>                                                           0
<ALLOWANCE-UNALLOCATED>                                                   3,961