<ARTICLE> 5
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE JUNE
30, 2000 FORM 10-Q OF PMC COMMERCIAL TRUST AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH FINANCIAL STATEMENTS.

<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                    6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                             136
<SECURITIES>                                       295
<RECEIVABLES>                                  106,716
<ALLOWANCES>                                     (700)
<INVENTORY>                                          0
<CURRENT-ASSETS>                                     0
<PP&E>                                          70,941
<DEPRECIATION>                                 (4,164)
<TOTAL-ASSETS>                                 179,512
<CURRENT-LIABILITIES>                            6,902
<BONDS>                                         82,700
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        94,414
<OTHER-SE>                                     (4,504)
<TOTAL-LIABILITY-AND-EQUITY>                   179,512
<SALES>                                         10,351
<TOTAL-REVENUES>                                10,351
<CGS>                                                0
<TOTAL-COSTS>                                        0
<OTHER-EXPENSES>                                 2,926
<LOSS-PROVISION>                                     0
<INTEREST-EXPENSE>                               3,433
<INCOME-PRETAX>                                  3,922
<INCOME-TAX>                                         0
<INCOME-CONTINUING>                              3,922
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,922
<EPS-BASIC>                                       0.61
<EPS-DILUTED>                                     0.61

<F1>INCLUDES CURRENT AND LONG-TERM PORTION OF ALL LOANS RECEIVABLE - BEFORE
RESERVE AND RELATED INTEREST RECEIVABLES.
<F2>INCLUDES THE FOLLOWING ITEMS NOT INCLUDED ABOVE:

(i)      OTHER ASSETS, NET         $   360
(ii)     DEFERRED BORROWING COSTS      386
(iii)    RESTRICTED INVESTMENTS      5,542
                                   -------
                                   $ 6,288
                                   =======
<F3>INCLUDES THE FOLLOWING ITEMS:

(i)      DIVIDENDS PAYABLE         $ 3,007
(ii)     OTHER LIABILITIES           2,052
(iii)    INTEREST PAYABLE              437
(iv)     BORROWER ADVANCES             764
(v)      UNEARNED COMMITMENT FEES      200
(vi)     DUE TO AFFILIATES             442
                                   -------
                                   $ 6,902
                                   =======