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<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> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 4,893
<INT-BEARING-DEPOSITS> 491
<FED-FUNDS-SOLD> 800
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 12,019
<INVESTMENTS-CARRYING> 3,367
<INVESTMENTS-MARKET> 3,347
<LOANS> 72,660
<ALLOWANCE> 719
<TOTAL-ASSETS> 98,332
<DEPOSITS> 82,910
<SHORT-TERM> 0
<LIABILITIES-OTHER> 1,460
<LONG-TERM> 2,750
0
0
<COMMON> 558
<OTHER-SE> 10,581
<TOTAL-LIABILITIES-AND-EQUITY> 98,332
<INTEREST-LOAN> 3,502
<INTEREST-INVEST> 468
<INTEREST-OTHER> 98
<INTEREST-TOTAL> 4,068
<INTEREST-DEPOSIT> 1,489
<INTEREST-EXPENSE> 1,592
<INTEREST-INCOME-NET> 2,476
<LOAN-LOSSES> 30
<SECURITIES-GAINS> 336
<EXPENSE-OTHER> 1,938
<INCOME-PRETAX> 1,378
<INCOME-PRE-EXTRAORDINARY> 1,378
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 919
<EPS-BASIC> .82
<EPS-DILUTED> .82
<YIELD-ACTUAL> 5.57
<LOANS-NON> 81
<LOANS-PAST> 276
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 763
<CHARGE-OFFS> 76
<RECOVERIES> 17
<ALLOWANCE-CLOSE> 735
<ALLOWANCE-DOMESTIC> 735
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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