STATE OF FRANKLIN BANCSHARES INC
10QSB, EX-27, 2000-08-11
STATE COMMERCIAL BANKS
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<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This  schedule  contains  summary  financial  data  extracted from the financial
statements  of  State of Franklin Bankshares, Inc. for the six months ended June
30,  2000  and  is  qualified  in  its  entirety  by reference to such financial
statements.
</LEGEND>
<MULTIPLIER> 1

<S>                                     <C>
<PERIOD-TYPE>                           6-MOS
<FISCAL-YEAR-END>                       DEC-31-2000
<PERIOD-START>                          JAN-01-2000
<PERIOD-END>                            JUN-30-2000
<CASH>                                   6,391,688
<INT-BEARING-DEPOSITS>                     212,730
<FED-FUNDS-SOLD>                         2,333,000
<TRADING-ASSETS>                                 0
<INVESTMENTS-HELD-FOR-SALE>             22,334,258
<INVESTMENTS-CARRYING>                  13,988,847
<INVESTMENTS-MARKET>                    13,212,971
<LOANS>                                125,602,523
<ALLOWANCE>                               (896,796)
<TOTAL-ASSETS>                         179,181,015
<DEPOSITS>                             142,137,939
<SHORT-TERM>                            13,960,000
<LIABILITIES-OTHER>                        578,129
<LONG-TERM>                              6,797,786
                            0
                                      0
<COMMON>                                 1,465,512
<OTHER-SE>                              14,241,649
<TOTAL-LIABILITIES-AND-EQUITY>         179,181,015
<INTEREST-LOAN>                          5,115,908
<INTEREST-INVEST>                        1,263,541
<INTEREST-OTHER>                                 0
<INTEREST-TOTAL>                         6,379,449
<INTEREST-DEPOSIT>                       3,367,778
<INTEREST-EXPENSE>                       3,824,027
<INTEREST-INCOME-NET>                    2,555,422
<LOAN-LOSSES>                              125,175
<SECURITIES-GAINS>                               0
<EXPENSE-OTHER>                          1,652,766
<INCOME-PRETAX>                          1,061,084
<INCOME-PRE-EXTRAORDINARY>               1,061,084
<EXTRAORDINARY>                                  0
<CHANGES>                                        0
<NET-INCOME>                               703,431
<EPS-BASIC>                                 .540
<EPS-DILUTED>                                 .530
<YIELD-ACTUAL>                                .031
<LOANS-NON>                                      0
<LOANS-PAST>                                11,000
<LOANS-TROUBLED>                                 0
<LOANS-PROBLEM>                                  0
<ALLOWANCE-OPEN>                           810,303
<CHARGE-OFFS>                               38,682
<RECOVERIES>                                     0
<ALLOWANCE-CLOSE>                          896,796
<ALLOWANCE-DOMESTIC>                       896,796
<ALLOWANCE-FOREIGN>                              0
<ALLOWANCE-UNALLOCATED>                          0


</TABLE>


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