UNITED TENNESSEE BANKSHARES INC
10QSB, EX-27, 2000-11-13
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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<TABLE> <S> <C>

<ARTICLE>                                            9

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-END>                                   SEP-30-2000
<CASH>                                         3,262,262
<INT-BEARING-DEPOSITS>                         1,525,000
<FED-FUNDS-SOLD>                                       0
<TRADING-ASSETS>                                       0
<INVESTMENTS-HELD-FOR-SALE>                   25,087,796
<INVESTMENTS-CARRYING>                                 0
<INVESTMENTS-MARKET>                                   0
<LOANS>                                       66,785,642
<ALLOWANCE>                                      657,380
<TOTAL-ASSETS>                                98,914,461
<DEPOSITS>                                    79,478,326
<SHORT-TERM>                                   5,297,967
<LIABILITIES-OTHER>                            1,474,136
<LONG-TERM>                                            0
                                  0
                                            0
<COMMON>                                      13,090,619
<OTHER-SE>                                      (426,588)
<TOTAL-LIABILITIES-AND-EQUITY>                98,914,461
<INTEREST-LOAN>                                4,002,694
<INTEREST-INVEST>                              1,232,008
<INTEREST-OTHER>                                  86,273
<INTEREST-TOTAL>                               5,320,975
<INTEREST-DEPOSIT>                             2,699,225
<INTEREST-EXPENSE>                             2,956,442
<INTEREST-INCOME-NET>                          2,364,533
<LOAN-LOSSES>                                     25,000
<SECURITIES-GAINS>                                (8,834)
<EXPENSE-OTHER>                                1,644,787
<INCOME-PRETAX>                                  925,945
<INCOME-PRE-EXTRAORDINARY>                       925,945
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                     625,945
<EPS-BASIC>                                         0.45
<EPS-DILUTED>                                       0.45
<YIELD-ACTUAL>                                      3.44
<LOANS-NON>                                            0
<LOANS-PAST>                                     493,000
<LOANS-TROUBLED>                                       0
<LOANS-PROBLEM>                                        0
<ALLOWANCE-OPEN>                                 660,741
<CHARGE-OFFS>                                     32,154
<RECOVERIES>                                       3,793
<ALLOWANCE-CLOSE>                                657,380
<ALLOWANCE-DOMESTIC>                             657,380
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                                0


</TABLE>


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