<TABLE> <S> <C>
<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM PIONEER
BANKSHARE, INC. FORM 10SB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<CIK> 0001113026
<NAME> PIONEER BANKSHARES, INC.
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-START> JAN-01-1999
<PERIOD-END> DEC-31-1999
<CASH> 5,199
<INT-BEARING-DEPOSITS> 4,536
<FED-FUNDS-SOLD> 2,215
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 11,475
<INVESTMENTS-CARRYING> 3,557
<INVESTMENTS-MARKET> 3,541
<LOANS> 69,252
<ALLOWANCE> 779
<TOTAL-ASSETS> 100,892
<DEPOSITS> 82,439
<SHORT-TERM> 4,627
<LIABILITIES-OTHER> 1,297
<LONG-TERM> 1,800
0
0
<COMMON> 561
<OTHER-SE> 10,168
<TOTAL-LIABILITIES-AND-EQUITY> 100,892
<INTEREST-LOAN> 6,512
<INTEREST-INVEST> 858
<INTEREST-OTHER> 367
<INTEREST-TOTAL> 7,738
<INTEREST-DEPOSIT> 2,858
<INTEREST-EXPENSE> 91
<INTEREST-INCOME-NET> 4,789
<LOAN-LOSSES> 183
<SECURITIES-GAINS> 19
<EXPENSE-OTHER> 3,486
<INCOME-PRETAX> 2,053
<INCOME-PRE-EXTRAORDINARY> 2,053
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,445
<EPS-BASIC> 1.23
<EPS-DILUTED> 1.23
<YIELD-ACTUAL> 4.58
<LOANS-NON> 0
<LOANS-PAST> 366
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 773
<CHARGE-OFFS> 222
<RECOVERIES> 45
<ALLOWANCE-CLOSE> 779
<ALLOWANCE-DOMESTIC> 779
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>