<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>                                  JUN-30-1999
<CASH>                                             36,262
<INT-BEARING-DEPOSITS>                              7,679
<FED-FUNDS-SOLD>                                   34,550
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                             0
<INVESTMENTS-CARRYING>                              4,957
<INVESTMENTS-MARKET>                              278,419
<LOANS>                                           691,067
<ALLOWANCE>                                        11,676
<TOTAL-ASSETS>                                  1,074,165
<DEPOSITS>                                        866,037
<SHORT-TERM>                                       28,835
<LIABILITIES-OTHER>                                16,624
<LONG-TERM>                                         7,000
<COMMON>                                          149,149
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                         2,248
<OTHER-SE>                                              0
<TOTAL-LIABILITIES-AND-EQUITY>                  1,074,165
<INTEREST-LOAN>                                    29,932
<INTEREST-INVEST>                                   6,900
<INTEREST-OTHER>                                      680
<INTEREST-TOTAL>                                   37,512
<INTEREST-DEPOSIT>                                 13,048
<INTEREST-EXPENSE>                                 13,663
<INTEREST-INCOME-NET>                              23,849
<LOAN-LOSSES>                                         605
<SECURITIES-GAINS>                                    104
<EXPENSE-OTHER>                                    16,603
<INCOME-PRETAX>                                    13,268
<INCOME-PRE-EXTRAORDINARY>                          9,419
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                        9,419
<EPS-BASIC>                                        1.04
<EPS-DILUTED>                                        1.00
<YIELD-ACTUAL>                                       4.76
<LOANS-NON>                                         3,360
<LOANS-PAST>                                          509
<LOANS-TROUBLED>                                      185
<LOANS-PROBLEM>                                     4,054
<ALLOWANCE-OPEN>                                   11,772
<CHARGE-OFFS>                                         764
<RECOVERIES>                                           83
<ALLOWANCE-CLOSE>                                  11,676
<ALLOWANCE-DOMESTIC>                               11,676
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                                 0



</TABLE>