<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
QUARTERLY  REPORT ON FORM 10-Q FOR ATLANTIC  FINANCIAL CORP FOR THE PERIOD ENDED
MARCH 31, 2000 AND IS QUALIFIED  IN ITS ENTIRETY BY REFERENCE TO THE  FINANCIAL
STATEMENTS AND OTHER INFORMATION CONTAINED IN THE FORM 10-Q.
</LEGEND>
<MULTIPLIER>                                   1,000

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-END>                                   MAR-31-2000
<CASH>                                              13,808
<INT-BEARING-DEPOSITS>                               1,573
<FED-FUNDS-SOLD>                                    21,553
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         98,908
<INVESTMENTS-CARRYING>                               9,676
<INVESTMENTS-MARKET>                                 9,452
<LOANS>                                            222,259
<ALLOWANCE>                                          2,615
<TOTAL-ASSETS>                                     385,473
<DEPOSITS>                                         337,046
<SHORT-TERM>                                         1,815
<LIABILITIES-OTHER>                                  3,190
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                            20,898
<OTHER-SE>                                          22,524
<TOTAL-LIABILITIES-AND-EQUITY>                     385,473
<INTEREST-LOAN>                                      5,420
<INTEREST-INVEST>                                    1,949
<INTEREST-OTHER>                                        15
<INTEREST-TOTAL>                                     7,384
<INTEREST-DEPOSIT>                                   3,172
<INTEREST-EXPENSE>                                   3,193
<INTEREST-INCOME-NET>                                4,191
<LOAN-LOSSES>                                           70
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                      3,077
<INCOME-PRETAX>                                      1,569
<INCOME-PRE-EXTRAORDINARY>                           1,569
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         1,147
<EPS-BASIC>                                           0.27
<EPS-DILUTED>                                         0.27
<YIELD-ACTUAL>                                        4.96
<LOANS-NON>                                          1,277
<LOANS-PAST>                                           836
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                     2,663
<CHARGE-OFFS>                                          154
<RECOVERIES>                                            36
<ALLOWANCE-CLOSE>                                    2,615
<ALLOWANCE-DOMESTIC>                                     0
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                              2,615



</TABLE>