<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     This schedule contains summary financial information extracted from
Pioneer Bankshares, Inc., Form 10Q and is qualified in its entirety by
reference to such financial statements.
</LEGEND>
<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>                                          4,408
<INT-BEARING-DEPOSITS>                            124
<FED-FUNDS-SOLD>                                3,610
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                    12,466
<INVESTMENTS-CARRYING>                          3,513
<INVESTMENTS-MARKET>                            3,489
<LOANS>                                        71,205
<ALLOWANCE>                                      (735)
<TOTAL-ASSETS>                                 99,565
<DEPOSITS>                                     85,217
<SHORT-TERM>                                        0
<LIABILITIES-OTHER>                             1,679
<LONG-TERM>                                     1,800
                               0
                                         0
<COMMON>                                          558
<OTHER-SE>                                     10,311
<TOTAL-LIABILITIES-AND-EQUITY>                 99,565
<INTEREST-LOAN>                                 1,723
<INTEREST-INVEST>                                 231
<INTEREST-OTHER>                                   61
<INTEREST-TOTAL>                                2,015
<INTEREST-DEPOSIT>                                739
<INTEREST-EXPENSE>                                814
<INTEREST-INCOME-NET>                           1,201
<LOAN-LOSSES>                                      15
<SECURITIES-GAINS>                                209
<EXPENSE-OTHER>                                   609
<INCOME-PRETAX>                                   786
<INCOME-PRE-EXTRAORDINARY>                        786
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                      514
<EPS-BASIC>                                       .46
<EPS-DILUTED>                                     .46
<YIELD-ACTUAL>                                   4.79
<LOANS-NON>                                       119
<LOANS-PAST>                                      193
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                  779
<CHARGE-OFFS>                                      76
<RECOVERIES>                                       17
<ALLOWANCE-CLOSE>                                 735
<ALLOWANCE-DOMESTIC>                              735
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0



</TABLE>



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