WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
EX-27
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM MARCH 31,
2000 FINANCIAL STATEMENT AND IS QUALIFIED IN ITS ENTIRETY BY REFERNECE TO
SUCH FINANCIAL STATEMENTS.
</LEGEND>
<CIK> 0001056238
<NAME> Southern Heritage Bancorp
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 3-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> MAR-31-2000
<CASH> 1,155
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 1,345
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 7,027
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 21,181
<ALLOWANCE> 315
<TOTAL-ASSETS> 32,882
<DEPOSITS> 25,353
<SHORT-TERM> 0
<LIABILITIES-OTHER> 119
<LONG-TERM> 0
0
0
<COMMON> 4,392
<OTHER-SE> 3,018
<TOTAL-LIABILITIES-AND-EQUITY> 32,882
<INTEREST-LOAN> 490
<INTEREST-INVEST> 106
<INTEREST-OTHER> 21
<INTEREST-TOTAL> 617
<INTEREST-DEPOSIT> 253
<INTEREST-EXPENSE> 253
<INTEREST-INCOME-NET> 364
<LOAN-LOSSES> 52
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 365
<INCOME-PRETAX> (19)
<INCOME-PRE-EXTRAORDINARY> (19)
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> (19)
<EPS-BASIC> (.02)
<EPS-DILUTED> (.02)
<YIELD-ACTUAL> 5.26
<LOANS-NON> 7
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 265
<CHARGE-OFFS> (2)
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 315
<ALLOWANCE-DOMESTIC> 315
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 315
</TABLE>