<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
(This schedule contains financial information extracted from the consolidated
financial statements of Community First Banking Company as of or for the nine
months ended September 30, 2000 and is qualified in its entirety by reference to
such financial statements (dollars in thousands except per share data).
</LEGEND>
<CIK> 0001035903
<NAME> Community First Banking Company
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 8,285
<INT-BEARING-DEPOSITS> 620
<FED-FUNDS-SOLD> 1,770
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 60,624
<INVESTMENTS-CARRYING> 171
<INVESTMENTS-MARKET> 171
<LOANS> 313,061
<ALLOWANCE> 3,757
<TOTAL-ASSETS> 400,210
<DEPOSITS> 309,854
<SHORT-TERM> 54,818
<LIABILITIES-OTHER> 4,028
<LONG-TERM> 1,442
0
0
<COMMON> 33
<OTHER-SE> 30,035
<TOTAL-LIABILITIES-AND-EQUITY> 400,210
<INTEREST-LOAN> 21,841
<INTEREST-INVEST> 3,309
<INTEREST-OTHER> 85
<INTEREST-TOTAL> 25,235
<INTEREST-DEPOSIT> 9,959
<INTEREST-EXPENSE> 13,042
<INTEREST-INCOME-NET> 12,193
<LOAN-LOSSES> 714
<SECURITIES-GAINS> 94
<EXPENSE-OTHER> 8,668
<INCOME-PRETAX> 5,845
<INCOME-PRE-EXTRAORDINARY> 3,958
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 3,958
<EPS-BASIC> 1.42
<EPS-DILUTED> 1.42
<YIELD-ACTUAL> 0
<LOANS-NON> 2,045
<LOANS-PAST> 716
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 119
<ALLOWANCE-OPEN> 3,379
<CHARGE-OFFS> 500
<RECOVERIES> 164
<ALLOWANCE-CLOSE> 3,757
<ALLOWANCE-DOMESTIC> 3,757
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
