SOUTHWEST GEORGIA FINANCIAL CORP
10-Q, EX-27, 2000-08-11
STATE COMMERCIAL BANKS
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<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1000

<S>                                                     <C>
<PERIOD-TYPE>                                           6-MOS
<FISCAL-YEAR-END>                                                DEC-31-2000
<PERIOD-END>                                                     JUN-30-2000
<CASH>                                                                  5935
<INT-BEARING-DEPOSITS>                                                  3589
<FED-FUNDS-SOLD>                                                           0
<TRADING-ASSETS>                                                           0
<INVESTMENTS-HELD-FOR-SALE>                                            15952
<INVESTMENTS-CARRYING>                                                 73669
<INVESTMENTS-MARKET>                                                   87365
<LOANS>                                                               121027
<ALLOWANCE>                                                             1895
<TOTAL-ASSETS>                                                        230475
<DEPOSITS>                                                            183314
<SHORT-TERM>                                                            6460
<LIABILITIES-OTHER>                                                     2164
<LONG-TERM>                                                             8000
<COMMON>                                                                3000
                                                      0
                                                                0
<OTHER-SE>                                                             27537
<TOTAL-LIABILITIES-AND-EQUITY>                                        230475
<INTEREST-LOAN>                                                         5775
<INTEREST-INVEST>                                                       2976
<INTEREST-OTHER>                                                         207
<INTEREST-TOTAL>                                                        8958
<INTEREST-DEPOSIT>                                                      3288
<INTEREST-EXPENSE>                                                      3598
<INTEREST-INCOME-NET>                                                   5360
<LOAN-LOSSES>                                                             90
<SECURITIES-GAINS>                                                         0
<EXPENSE-OTHER>                                                         4089
<INCOME-PRETAX>                                                         2366
<INCOME-PRE-EXTRAORDINARY>                                              2366
<EXTRAORDINARY>                                                            0
<CHANGES>                                                                  0
<NET-INCOME>                                                            1768
<EPS-BASIC>                                                           0.67
<EPS-DILUTED>                                                           0.67
<YIELD-ACTUAL>                                                          5.40
<LOANS-NON>                                                              725
<LOANS-PAST>                                                             366
<LOANS-TROUBLED>                                                           0
<LOANS-PROBLEM>                                                          343
<ALLOWANCE-OPEN>                                                        1944
<CHARGE-OFFS>                                                            247
<RECOVERIES>                                                             108
<ALLOWANCE-CLOSE>                                                       1895
<ALLOWANCE-DOMESTIC>                                                    1815
<ALLOWANCE-FOREIGN>                                                        0
<ALLOWANCE-UNALLOCATED>                                                   80



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