<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> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 4,244
<INT-BEARING-DEPOSITS> 68
<FED-FUNDS-SOLD> 240
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 11,881
<INVESTMENTS-CARRYING> 3,162
<INVESTMENTS-MARKET> 3,166
<LOANS> 74,188
<ALLOWANCE> 629
<TOTAL-ASSETS> 98,130
<DEPOSITS> 83,270
<SHORT-TERM> 0
<LIABILITIES-OTHER> 1,580
<LONG-TERM> 1,800
0
0
<COMMON> 558
<OTHER-SE> 10,922
<TOTAL-LIABILITIES-AND-EQUITY> 98,130
<INTEREST-LOAN> 5,339
<INTEREST-INVEST> 701
<INTEREST-OTHER> 118
<INTEREST-TOTAL> 6,158
<INTEREST-DEPOSIT> 2,260
<INTEREST-EXPENSE> 2,395
<INTEREST-INCOME-NET> 3,763
<LOAN-LOSSES> 45
<SECURITIES-GAINS> 374
<EXPENSE-OTHER> 2,923
<INCOME-PRETAX> 1,881
<INCOME-PRE-EXTRAORDINARY> 1,881
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,265
<EPS-BASIC> 1.13
<EPS-DILUTED> 1.13
<YIELD-ACTUAL> 5.64
<LOANS-NON> 163
<LOANS-PAST> 23
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 779
<CHARGE-OFFS> 266
<RECOVERIES> 71
<ALLOWANCE-CLOSE> 629
<ALLOWANCE-DOMESTIC> 629
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>