CITIZENS EFFINGHAM BANCSHARES INC
10QSB, EX-27.1, 2000-08-11
NATIONAL COMMERCIAL BANKS
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<TABLE> <S> <C>

<ARTICLE> 9

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                       2,030,417
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             3,100,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  3,105,535
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     40,483,176
<ALLOWANCE>                                    530,034
<TOTAL-ASSETS>                              50,883,873
<DEPOSITS>                                  45,226,426
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            446,246
<LONG-TERM>                                          0
                                0
                                          0
<COMMON>                                       512,000
<OTHER-SE>                                   4,699,201
<TOTAL-LIABILITIES-AND-EQUITY>              50,883,873
<INTEREST-LOAN>                              1,979,633
<INTEREST-INVEST>                               86,129
<INTEREST-OTHER>                                84,315
<INTEREST-TOTAL>                             2,150,077
<INTEREST-DEPOSIT>                             932,701
<INTEREST-EXPENSE>                             932,701
<INTEREST-INCOME-NET>                        1,217,376
<LOAN-LOSSES>                                  112,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                693,788
<INCOME-PRETAX>                                564,979
<INCOME-PRE-EXTRAORDINARY>                     452,479
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   452,479
<EPS-BASIC>                                       0.88
<EPS-DILUTED>                                     0.88
<YIELD-ACTUAL>                                     3.0
<LOANS-NON>                                          0
<LOANS-PAST>                                    15,432
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               481,035
<CHARGE-OFFS>                                   68,914
<RECOVERIES>                                     5,913
<ALLOWANCE-CLOSE>                              530,034
<ALLOWANCE-DOMESTIC>                           530,034
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>


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