<TABLE> <S> <C>


<ARTICLE>                                           9
<CIK>                                  0000714710
<NAME>                                 Community Banks, Inc.
<MULTIPLIER> 1,000

<S>                                                <C>
<PERIOD-TYPE>                                 9-MOS
<FISCAL-YEAR-END>                             DEC-31-1999
<PERIOD-END>                                  SEP-30-1999
<CASH>                                             24,668
<INT-BEARING-DEPOSITS>                              2,992
<FED-FUNDS-SOLD>                                        0
<TRADING-ASSETS>                                    3,885
<INVESTMENTS-HELD-FOR-SALE>                             0
<INVESTMENTS-CARRYING>                            326,104
<INVESTMENTS-MARKET>                              316,219
<LOANS>                                           554,501
<ALLOWANCE>                                         7,365
<TOTAL-ASSETS>                                    948,381
<DEPOSITS>                                        693,029
<SHORT-TERM>                                       13,159
<LIABILITIES-OTHER>                                 7,295
<LONG-TERM>                                       161,000
<COMMON>                                           34,878
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0
<OTHER-SE>                                         39,020
<TOTAL-LIABILITIES-AND-EQUITY>                    948,381
<INTEREST-LOAN>                                    33,837
<INTEREST-INVEST>                                  14,361
<INTEREST-OTHER>                                      233
<INTEREST-TOTAL>                                   48,431
<INTEREST-DEPOSIT>                                 16,813
<INTEREST-EXPENSE>                                 23,478
<INTEREST-INCOME-NET>                              24,953
<LOAN-LOSSES>                                         787
<SECURITIES-GAINS>                                      0
<EXPENSE-OTHER>                                    17,019
<INCOME-PRETAX>                                    11,376
<INCOME-PRE-EXTRAORDINARY>                          8,708
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                        8,708
<EPS-BASIC>                                        1.27
<EPS-DILUTED>                                        1.25
<YIELD-ACTUAL>                                       3.92
<LOANS-NON>                                         3,269
<LOANS-PAST>                                          763
<LOANS-TROUBLED>                                        0
<LOANS-PROBLEM>                                         0
<ALLOWANCE-OPEN>                                    6,954
<CHARGE-OFFS>                                         742
<RECOVERIES>                                          366
<ALLOWANCE-CLOSE>                                   7,365
<ALLOWANCE-DOMESTIC>                                7,365
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                                 0


</TABLE>