CORNERSTONE BANCSHARES INC
10QSB, EX-27.1, 2000-11-15
NATIONAL COMMERCIAL BANKS
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<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF CORNERSTONE BANCSHARES, INC. FOR THE NINE MONTHS ENDED
SEPTEMBER 30, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               SEP-30-2000
<CASH>                                           4,699
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     15,986
<INVESTMENTS-CARRYING>                           4,502
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         82,839
<ALLOWANCE>                                      1,155
<TOTAL-ASSETS>                                 115,491
<DEPOSITS>                                     103,326
<SHORT-TERM>                                     3,906
<LIABILITIES-OTHER>                                441
<LONG-TERM>                                          0
                                0
                                          0
<COMMON>                                        12,165
<OTHER-SE>                                           0
<TOTAL-LIABILITIES-AND-EQUITY>                 115,491
<INTEREST-LOAN>                                  5,891
<INTEREST-INVEST>                                1,092
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 6,983
<INTEREST-DEPOSIT>                               3,011
<INTEREST-EXPENSE>                               3,154
<INTEREST-INCOME-NET>                            3,829
<LOAN-LOSSES>                                      505
<SECURITIES-GAINS>                                  25
<EXPENSE-OTHER>                                  3,397
<INCOME-PRETAX>                                    409
<INCOME-PRE-EXTRAORDINARY>                         409
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       222
<EPS-BASIC>                                       0.19
<EPS-DILUTED>                                     0.18
<YIELD-ACTUAL>                                    5.04
<LOANS-NON>                                         60
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,155
<CHARGE-OFFS>                                      502
<RECOVERIES>                                       151
<ALLOWANCE-CLOSE>                                1,155
<ALLOWANCE-DOMESTIC>                             1,155
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>


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