<TABLE> <S> <C>

<ARTICLE>                     9
<CIK>                         0001078676
<NAME>                        HCNB BANCORP INC

<S>                                                           <C>
<PERIOD-TYPE>                                                         9-MOS
<FISCAL-YEAR-END>                                               DEC-31-2000
<PERIOD-START>                                                  JAN-01-2000
<PERIOD-END>                                                    SEP-30-2000
<CASH>                                                              384,656
<INT-BEARING-DEPOSITS>                                                    0
<FED-FUNDS-SOLD>                                                  2,649,522
<TRADING-ASSETS>                                                          0
<INVESTMENTS-HELD-FOR-SALE>                                         180,000
<INVESTMENTS-CARRYING>                                            1,600,576
<INVESTMENTS-MARKET>                                                      0
<LOANS>                                                           7,712,478
<ALLOWANCE>                                                          90,705
<TOTAL-ASSETS>                                                   13,143,911
<DEPOSITS>                                                        7,351,013
<SHORT-TERM>                                                              0
<LIABILITIES-OTHER>                                                 210,753
<LONG-TERM>                                                               0
<PREFERRED-MANDATORY>                                                     0
<PREFERRED>                                                               0
<COMMON>                                                              7,002
<OTHER-SE>                                                        5,575,143
<TOTAL-LIABILITIES-AND-EQUITY>                                   13,143,911
<INTEREST-LOAN>                                                     276,495
<INTEREST-INVEST>                                                   314,667
<INTEREST-OTHER>                                                          0
<INTEREST-TOTAL>                                                    591,162
<INTEREST-DEPOSIT>                                                  147,879
<INTEREST-EXPENSE>                                                        0
<INTEREST-INCOME-NET>                                               443,283
<LOAN-LOSSES>                                                             0
<SECURITIES-GAINS>                                                        0
<EXPENSE-OTHER>                                                     890,389
<INCOME-PRETAX>                                                    (524,443)
<INCOME-PRE-EXTRAORDINARY>                                         (524,443)
<EXTRAORDINARY>                                                           0
<CHANGES>                                                                 0
<NET-INCOME>                                                       (524,443)
<EPS-BASIC>                                                           (.749)
<EPS-DILUTED>                                                         (.749)
<YIELD-ACTUAL>                                                         7.91
<LOANS-NON>                                                               0
<LOANS-PAST>                                                              0
<LOANS-TROUBLED>                                                          0
<LOANS-PROBLEM>                                                           0
<ALLOWANCE-OPEN>                                                          0
<CHARGE-OFFS>                                                             0
<RECOVERIES>                                                              0
<ALLOWANCE-CLOSE>                                                    90,705
<ALLOWANCE-DOMESTIC>                                                 90,705
<ALLOWANCE-FOREIGN>                                                       0
<ALLOWANCE-UNALLOCATED>                                                   0


</TABLE>