<ARTICLE> 9 <CIK> 0000729986 <NAME> UNITED BANKSHARES, INC. <MULTIPLIER> 1 <CURRENCY> $ <PERIOD-TYPE> OTHER <FISCAL-YEAR-END> DEC-31-1994 <PERIOD-START> JAN-01-1994 <PERIOD-END> SEP-30-1994 <EXCHANGE-RATE> 1 <CASH> 75,842,000 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 750,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 140,880,000 <INVESTMENTS-CARRYING> 251,043,000 <INVESTMENTS-MARKET> 243,446,000 <LOANS> 1,260,858,000 <ALLOWANCE> (19,999,000) <TOTAL-ASSETS> 1,777,496,000 <DEPOSITS> 1,440,238,000 <SHORT-TERM> 74,114,000 <LIABILITIES-OTHER> 16,885,000 <LONG-TERM> 68,043,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 29,886,000 <OTHER-SE> 148,330,000 <TOTAL-LIABILITIES-AND-EQUITY> 1,777,496,000 <INTEREST-LOAN> 72,296,000 <INTEREST-INVEST> 16,796,000 <INTEREST-OTHER> 277,000 <INTEREST-TOTAL> 89,369,000 <INTEREST-DEPOSIT> 28,490,000 <INTEREST-EXPENSE> 32,010,000 <INTEREST-INCOME-NET> 57,359,000 <LOAN-LOSSES> 1,368,000 <SECURITIES-GAINS> 152,000 <EXPENSE-OTHER> 36,283,000 <INCOME-PRETAX> 28,784,000 <INCOME-PRE-EXTRAORDINARY> 28,784,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 18,746,000 <EPS-PRIMARY> 1.57 <EPS-DILUTED> 1.57 <YIELD-ACTUAL> 7.63 <LOANS-NON> 6,728,000 <LOANS-PAST> 1,539,000 <LOANS-TROUBLED> 899,000 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 19,015,000 <CHARGE-OFFS> 1,157,000 <RECOVERIES> 773,000 <ALLOWANCE-CLOSE> 19,999,000 <ALLOWANCE-DOMESTIC> 8,676,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 11,323,000