<TABLE> <S> <C>
<ARTICLE> 9
<CIK> 0001095274
<NAME> First National of Spartanburg
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 703,997
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 11,610,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 3,267,248
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 11,785,589
<ALLOWANCE> 117,856
<TOTAL-ASSETS> 29,046,131
<DEPOSITS> 17,507,237
<SHORT-TERM> 0
<LIABILITIES-OTHER> 195,670
<LONG-TERM> 0
0
0
<COMMON> 12,000
<OTHER-SE> 11,331,224
<TOTAL-LIABILITIES-AND-EQUITY> 29,046,131
<INTEREST-LOAN> 186,439
<INTEREST-INVEST> 163,922
<INTEREST-OTHER> 212,226
<INTEREST-TOTAL> 562,587
<INTEREST-DEPOSIT> 167,225
<INTEREST-EXPENSE> 173,706
<INTEREST-INCOME-NET> 388,881
<LOAN-LOSSES> 117,856
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 520,907
<INCOME-PRETAX> (247,141)
<INCOME-PRE-EXTRAORDINARY> (247,141)
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> (247,141)
<EPS-BASIC> (.21)
<EPS-DILUTED> (.21)
<YIELD-ACTUAL> 4.3
<LOANS-NON> 0
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 0
<CHARGE-OFFS> 0
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 117,856
<ALLOWANCE-DOMESTIC> 117,856
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>