ZACHARY BANCSHARES INC
10QSB, EX-27, 2000-08-10
STATE COMMERCIAL BANKS
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<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                            2954
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<FED-FUNDS-SOLD>                                  2100
<TRADING-ASSETS>                                     0
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<INVESTMENTS-MARKET>                                 0
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<ALLOWANCE>                                     (1078)
<TOTAL-ASSETS>                                   87209
<DEPOSITS>                                       75983
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                               1444
<LONG-TERM>                                          0
                             2160
                                          0
<COMMON>                                             0
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<INTEREST-LOAN>                                   2817
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<INTEREST-TOTAL>                                  3404
<INTEREST-DEPOSIT>                                1147
<INTEREST-EXPENSE>                                  42
<INTEREST-INCOME-NET>                             2215
<LOAN-LOSSES>                                      129
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                   1573
<INCOME-PRETAX>                                    907
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       599
<EPS-BASIC>                                       3.09
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    5.54
<LOANS-NON>                                        114
<LOANS-PAST>                                      1116
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
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<CHARGE-OFFS>                                       32
<RECOVERIES>                                        16
<ALLOWANCE-CLOSE>                                 1078
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
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</TABLE>


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