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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF WGNB CORP. FOR THE SIX MONTH PERIOD ENDED JUNE
30, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 11,006,613
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 170,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 41,039,960
<INVESTMENTS-CARRYING> 1,000,000
<INVESTMENTS-MARKET> 0
<LOANS> 214,895,149
<ALLOWANCE> 2,522,648
<TOTAL-ASSETS> 275,773,682
<DEPOSITS> 223,259,594
<SHORT-TERM> 425,000
<LIABILITIES-OTHER> 8,931,403
<LONG-TERM> 20,000,000
0
0
<COMMON> 3,868,469
<OTHER-SE> 19,289,216
<TOTAL-LIABILITIES-AND-EQUITY> 275,773,682
<INTEREST-LOAN> 9,676,209
<INTEREST-INVEST> 1,371,326
<INTEREST-OTHER> 166,968
<INTEREST-TOTAL> 11,214,503
<INTEREST-DEPOSIT> 4,187,870
<INTEREST-EXPENSE> 4,698,969
<INTEREST-INCOME-NET> 6,515,534
<LOAN-LOSSES> 100,000
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 4,436,496
<INCOME-PRETAX> 2,099,982
<INCOME-PRE-EXTRAORDINARY> 2,099,982
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,099,982
<EPS-BASIC> 0.68
<EPS-DILUTED> 0.67
<YIELD-ACTUAL> 5.40
<LOANS-NON> 861,000
<LOANS-PAST> 296,000
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 1,157,000
<ALLOWANCE-OPEN> 2,281,298
<CHARGE-OFFS> 15,829
<RECOVERIES> 157,179
<ALLOWANCE-CLOSE> 2,522,648
<ALLOWANCE-DOMESTIC> 2,522,648
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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