CITIZENS BANCSHARES INC /LA/
10QSB, EX-27, 2000-07-25
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>                                            2673
<INT-BEARING-DEPOSITS>                            2971
<FED-FUNDS-SOLD>                                  9750
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      29291
<INVESTMENTS-CARRYING>                            8842
<INVESTMENTS-MARKET>                              8697
<LOANS>                                          64587
<ALLOWANCE>                                       1083
<TOTAL-ASSETS>                                  123275
<DEPOSITS>                                      110722
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                926
<LONG-TERM>                                          0
                                0
                                          0
<COMMON>                                           575
<OTHER-SE>                                       11052
<TOTAL-LIABILITIES-AND-EQUITY>                  123275
<INTEREST-LOAN>                                   2802
<INTEREST-INVEST>                                 1128
<INTEREST-OTHER>                                   404
<INTEREST-TOTAL>                                  4334
<INTEREST-DEPOSIT>                                2372
<INTEREST-EXPENSE>                                   0
<INTEREST-INCOME-NET>                             1962
<LOAN-LOSSES>                                       68
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                   1278
<INCOME-PRETAX>                                    993
<INCOME-PRE-EXTRAORDINARY>                         993
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       743
<EPS-BASIC>                                       6.47
<EPS-DILUTED>                                     6.47
<YIELD-ACTUAL>                                    3.51
<LOANS-NON>                                          0
<LOANS-PAST>                                       186
<LOANS-TROUBLED>                                   210
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                  1029
<CHARGE-OFFS>                                       31
<RECOVERIES>                                        17
<ALLOWANCE-CLOSE>                                 1083
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>


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