<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains summmary financial information extracted from
Highlands Bankshares, Inc. Form 10Q and is qualified in its entirety by
reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 5,451
<INT-BEARING-DEPOSITS> 3,431
<FED-FUNDS-SOLD> 5,038
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 25,589
<INVESTMENTS-CARRYING> 2,956
<INVESTMENTS-MARKET> 2,929
<LOANS> 173,649
<ALLOWANCE> (1,459)
<TOTAL-ASSETS> 228,584
<DEPOSITS> 197,551
<SHORT-TERM> 2,186
<LIABILITIES-OTHER> 1,684
<LONG-TERM> 2,249
0
0
<COMMON> 2,734
<OTHER-SE> 22,180
<TOTAL-LIABILITIES-AND-EQUITY> 228,584
<INTEREST-LOAN> 7,417
<INTEREST-INVEST> 915
<INTEREST-OTHER> 216
<INTEREST-TOTAL> 8,548
<INTEREST-DEPOSIT> 3,975
<INTEREST-EXPENSE> 4,043
<INTEREST-INCOME-NET> 4,505
<LOAN-LOSSES> 220
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 3,210
<INCOME-PRETAX> 1,622
<INCOME-PRE-EXTRAORDINARY> 1,039
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,039
<EPS-BASIC> 2.07
<EPS-DILUTED> 2.07
<YIELD-ACTUAL> 4.41
<LOANS-NON> 184
<LOANS-PAST> 532
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,318
<CHARGE-OFFS> 139
<RECOVERIES> 60
<ALLOWANCE-CLOSE> 1,459
<ALLOWANCE-DOMESTIC> 1,459
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>