CUMBERLAND MOUNTAIN BANCSHARES INC
10QSB, EX-27, 2000-11-20
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                     1,000

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              JUN-30-2001
<PERIOD-START>                                 JUL-01-2000
<PERIOD-END>                                   SEP-30-2000
<CASH>                                           1,442
<INT-BEARING-DEPOSITS>                             860
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      5,882
<INVESTMENTS-CARRYING>                             180
<INVESTMENTS-MARKET>                               180
<LOANS>                                         108,841
<ALLOWANCE>                                       1,379
<TOTAL-ASSETS>                                  125,998
<DEPOSITS>                                      104,802
<SHORT-TERM>                                      4,500
<LIABILITIES-OTHER>                               1,690
<LONG-TERM>                                       6,454
                                 0
                                           0
<COMMON>                                              7
<OTHER-SE>                                        8,545
<TOTAL-LIABILITIES-AND-EQUITY>                  125,998
<INTEREST-LOAN>                                   2,363
<INTEREST-INVEST>                                   115
<INTEREST-OTHER>                                      0
<INTEREST-TOTAL>                                  2,478
<INTEREST-DEPOSIT>                                1,341
<INTEREST-EXPENSE>                                1,521
<INTEREST-INCOME-NET>                               957
<LOAN-LOSSES>                                       778
<SECURITIES-GAINS>                                    0
<EXPENSE-OTHER>                                   1,185
<INCOME-PRETAX>                                    (874)
<INCOME-PRE-EXTRAORDINARY>                         (598)
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                       (598)
<EPS-BASIC>                                       (1.06)
<EPS-DILUTED>                                     (0.96)
<YIELD-ACTUAL>                                     3.25
<LOANS-NON>                                         389
<LOANS-PAST>                                          0
<LOANS-TROUBLED>                                    283
<LOANS-PROBLEM>                                       0
<ALLOWANCE-OPEN>                                  1,032
<CHARGE-OFFS>                                       456
<RECOVERIES>                                         25
<ALLOWANCE-CLOSE>                                 1,379
<ALLOWANCE-DOMESTIC>                              1,379
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                               0



</TABLE>


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