SOUTHSIDE BANCSHARES INC
S-2, EX-27, 2000-10-13
STATE COMMERCIAL BANKS
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<TABLE> <S> <C>

<ARTICLE> 9
<CIK>   0000705432
<NAME>    SOUTHSIDE BANCSHARES, INC.
<MULTIPLIER> 1,000

<S>                             <C>                     <C>
<PERIOD-TYPE>                   6-MOS                   YEAR
<FISCAL-YEAR-END>                          DEC-31-2000             DEC-31-1999
<PERIOD-START>                             JAN-01-2000             JAN-01-1999
<PERIOD-END>                               JUN-30-2000             DEC-31-1999
<CASH>                                          33,898                  41,131
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                    305,786                 388,463
<INVESTMENTS-CARRYING>                         256,833                 160,106
<INVESTMENTS-MARKET>                           252,638                 156,265
<LOANS>                                        429,210                 387,446
<ALLOWANCE>                                      5,085                   4,575
<TOTAL-ASSETS>                               1,062,782               1,012,565
<DEPOSITS>                                     642,240                 587,544
<SHORT-TERM>                                   156,629                 186,041
<LIABILITIES-OTHER>                              8,863                   6,604
<LONG-TERM>                                    212,244                 194,704
                                0                       0
                                          0                       0
<COMMON>                                         9,780                   9,748
<OTHER-SE>                                      33,026                  27,924
<TOTAL-LIABILITIES-AND-EQUITY>               1,062,782               1,012,565
<INTEREST-LOAN>                                 16,802                  28,198
<INTEREST-INVEST>                               18,194                  32,068
<INTEREST-OTHER>                                 1,050                     422
<INTEREST-TOTAL>                                36,046                  60,688
<INTEREST-DEPOSIT>                              10,412                  16,545
<INTEREST-EXPENSE>                              21,092                  36,016
<INTEREST-INCOME-NET>                           14,954                  24,672
<LOAN-LOSSES>                                      783                   1,456
<SECURITIES-GAINS>                               (459)                     149
<EXPENSE-OTHER>                                 12,530                  22,524
<INCOME-PRETAX>                                  6,351                   9,924
<INCOME-PRE-EXTRAORDINARY>                       6,351                   9,924
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     4,911                   7,924
<EPS-BASIC>                                        .68                    1.08
<EPS-DILUTED>                                      .66                    1.05
<YIELD-ACTUAL>                                    3.40                    3.01
<LOANS-NON>                                        537                     703
<LOANS-PAST>                                       663                     339
<LOANS-TROUBLED>                                   481                     448
<LOANS-PROBLEM>                                    459                     201
<ALLOWANCE-OPEN>                                 4,575                   3,564
<CHARGE-OFFS>                                      432                     765
<RECOVERIES>                                       158                     320
<ALLOWANCE-CLOSE>                                5,085                   4,575
<ALLOWANCE-DOMESTIC>                             5,085                   4,575
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                            102                      45


</TABLE>


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