<TABLE> <S> <C>


<ARTICLE>                                            9
<CIK>                         0000705671
<NAME>                        OMEGA FINANCIAL CORP
<MULTIPLIER>                                       1,000

<S>                             <C>
<PERIOD-TYPE>                   Year
<FISCAL-YEAR-END>                            DEC-31-1999
<PERIOD-START>                               JAN-01-1999
<PERIOD-END>                                 DEC-31-1999
<CASH>                                            36,580
<INT-BEARING-DEPOSITS>                               872
<FED-FUNDS-SOLD>                                   1,975
<TRADING-ASSETS>                                       0
<INVESTMENTS-HELD-FOR-SALE>                            0
<INVESTMENTS-CARRYING>                             4,951
<INVESTMENTS-MARKET>                             267,718
<LOANS>                                          704,948
<ALLOWANCE>                                       11,865
<TOTAL-ASSETS>                                 1,053,403
<DEPOSITS>                                       851,595
<SHORT-TERM>                                      28,527
<LIABILITIES-OTHER>                               15,130
<LONG-TERM>                                        7,000
<PREFERRED-MANDATORY>                                  0
<PREFERRED>                                        2,375
<COMMON>                                         148,776
<OTHER-SE>                                             0
<TOTAL-LIABILITIES-AND-EQUITY>                 1,053,403
<INTEREST-LOAN>                                   58,634
<INTEREST-INVEST>                                 14,305
<INTEREST-OTHER>                                   1,554
<INTEREST-TOTAL>                                  74,493
<INTEREST-DEPOSIT>                                26,255
<INTEREST-EXPENSE>                                27,705
<INTEREST-INCOME-NET>                             46,788
<LOAN-LOSSES>                                      1,060
<SECURITIES-GAINS>                                   345
<EXPENSE-OTHER>                                   33,597
<INCOME-PRETAX>                                   24,257
<INCOME-PRE-EXTRAORDINARY>                        17,362
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                      17,362
<EPS-BASIC>                                       1.92
<EPS-DILUTED>                                       1.85
<YIELD-ACTUAL>                                      4.65
<LOANS-NON>                                        2,640
<LOANS-PAST>                                         619
<LOANS-TROUBLED>                                     184
<LOANS-PROBLEM>                                    3,443
<ALLOWANCE-OPEN>                                  11,772
<CHARGE-OFFS>                                      1,128
<RECOVERIES>                                         161
<ALLOWANCE-CLOSE>                                 11,865
<ALLOWANCE-DOMESTIC>                              11,865
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                                0



</TABLE>