<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM EVANS
BANCORP INC. BALANCE SHEET AND STATEMENTS OF INCOME AUDITED AS OF DECEMBER 31,
1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<CIK> 0000842518
<NAME> EVANS BANCORP INC.
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> DEC-31-1998
<PERIOD-START> JAN-01-1999
<PERIOD-END> DEC-31-1999
<CASH> 8,528,788
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 3,450,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 59,550,786
<INVESTMENTS-CARRYING> 3,448,892
<INVESTMENTS-MARKET> 0
<LOANS> 116,433,438
<ALLOWANCE> (838,167)
<TOTAL-ASSETS> 198,788,383
<DEPOSITS> 169,948,899
<SHORT-TERM> 0
<LIABILITIES-OTHER> 5,554,546
<LONG-TERM> 5,000,000
<PREFERRED-MANDATORY> 0
<PREFERRED> 0
<COMMON> 849,475
<OTHER-SE> 18,620,559
<TOTAL-LIABILITIES-AND-EQUITY> 198,788,383
<INTEREST-LOAN> 9,294,995
<INTEREST-INVEST> 3,079,556
<INTEREST-OTHER> 180,292
<INTEREST-TOTAL> 12,554,843
<INTEREST-DEPOSIT> 4,722,210
<INTEREST-EXPENSE> 321,106
<INTEREST-INCOME-NET> 7,511,527
<LOAN-LOSSES> 170,000
<SECURITIES-GAINS> (757)
<EXPENSE-OTHER> 6,050,175
<INCOME-PRETAX> 2,634,270
<INCOME-PRE-EXTRAORDINARY> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,027,270
<EPS-BASIC> 1.19
<EPS-DILUTED> 0
<YIELD-ACTUAL> 7.71
<LOANS-NON> 1,725,000
<LOANS-PAST> 46,625
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 729,199
<CHARGE-OFFS> 70,543
<RECOVERIES> 9,511
<ALLOWANCE-CLOSE> 838,167
<ALLOWANCE-DOMESTIC> 170,000
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0