<ARTICLE>                                            9
<LEGEND>
This schedule  contains summary  financial  information  extracted from the Form
10-QSB  and  is  qualified  in its  entirety  by  reference  to  such  financial
statements.
</LEGEND>
<CIK>                         0001114868
<NAME>                        James Monroe Bancorp, Inc.
<MULTIPLIER>                                       1,000
<CURRENCY>                                     US DOLLAR

                                                                 
<PERIOD-TYPE>                                                    9-mos
<FISCAL-YEAR-END>                                           DEC-31-2000
<PERIOD-START>                                              JAN-01-2000
<PERIOD-END>                                                SEP-30-2000
<EXCHANGE-RATE>                                                       1
<CASH>                                                            4,903
<INT-BEARING-DEPOSITS>                                                0
<FED-FUNDS-SOLD>                                                  7,844
<TRADING-ASSETS>                                                      0
<INVESTMENTS-HELD-FOR-SALE>                                      19,112
<INVESTMENTS-CARRYING>                                                0
<INVESTMENTS-MARKET>                                                  0
<LOANS>                                                          45,222
<ALLOWANCE>                                                         546
<TOTAL-ASSETS>                                                   78,109
<DEPOSITS>                                                       70,401
<SHORT-TERM>                                                          0
<LIABILITIES-OTHER>                                                 424
<LONG-TERM>                                                           0
<COMMON>                                                            744
<PREFERRED-MANDATORY>                                                 0
<PREFERRED>                                                           0
<OTHER-SE>                                                        6,540
<TOTAL-LIABILITIES-AND-EQUITY>                                   78,109
<INTEREST-LOAN>                                                   2,799
<INTEREST-INVEST>                                                   735
<INTEREST-OTHER>                                                    181
<INTEREST-TOTAL>                                                  3,715
<INTEREST-DEPOSIT>                                                1,429
<INTEREST-EXPENSE>                                                1,432
<INTEREST-INCOME-NET>                                             2,283
<LOAN-LOSSES>                                                       183
<SECURITIES-GAINS>                                                    2
<EXPENSE-OTHER>                                                   1,705
<INCOME-PRETAX>                                                     601
<INCOME-PRE-EXTRAORDINARY>                                          601
<EXTRAORDINARY>                                                       0
<CHANGES>                                                             0
<NET-INCOME>                                                        579
<EPS-BASIC>                                                        0.78
<EPS-DILUTED>                                                      0.76
<YIELD-ACTUAL>                                                     8.51
<LOANS-NON>                                                          55
<LOANS-PAST>                                                          0
<LOANS-TROUBLED>                                                      0
<LOANS-PROBLEM>                                                       0
<ALLOWANCE-OPEN>                                                    363
<CHARGE-OFFS>                                                         0
<RECOVERIES>                                                          0
<ALLOWANCE-CLOSE>                                                   546
<ALLOWANCE-DOMESTIC>                                                546
<ALLOWANCE-FOREIGN>                                                   0
<ALLOWANCE-UNALLOCATED>                                               0