[ARTICLE] 9
[LEGEND]
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE CNB
HOLDINGS, INC. AND SUBSIDIARY CONSOLIDATED BALANCE SHEET AT MARCH 31, 1996
AND THE CONSOLIDATED STATEMENT OF OPERATIONS FOR THE THREE MONTHS ENDED MARCH
31, 1996 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
[/LEGEND]
[MULTIPLIER] 1
<TABLE>
<S> <C>
[PERIOD-TYPE] 3-MOS
[FISCAL-YEAR-END] DEC-31-1996
[PERIOD-END] MAR-31-1996
[CASH] 955,994
[INT-BEARING-DEPOSITS] 0
[FED-FUNDS-SOLD] 237,000
[TRADING-ASSETS] 0
[INVESTMENTS-HELD-FOR-SALE] 8,507,595
[INVESTMENTS-CARRYING] 0
[INVESTMENTS-MARKET] 0
[LOANS] 8,430,725
[ALLOWANCE] 100,000
[TOTAL-ASSETS] 19,794,829
[DEPOSITS] 16,331,140
[SHORT-TERM] 0
[LIABILITIES-OTHER] 63,456
[LONG-TERM] 0
[PREFERRED-MANDATORY] 0
[PREFERRED] 0
[COMMON] 2,185,210
[OTHER-SE] 1,215,023
[TOTAL-LIABILITIES-AND-EQUITY] 19,794,829
[INTEREST-LOAN] 175,682
[INTEREST-INVEST] 109,651
[INTEREST-OTHER] 15,975
[INTEREST-TOTAL] 301,308
[INTEREST-DEPOSIT] 162,135
[INTEREST-EXPENSE] 162,135
[INTEREST-INCOME-NET] 139,173
[LOAN-LOSSES] 27,322
[SECURITIES-GAINS] 9,351
[EXPENSE-OTHER] 216,048
[INCOME-PRETAX] (72,673)
[INCOME-PRE-EXTRAORDINARY] (72,673)
[EXTRAORDINARY] 0
[CHANGES] 0
[NET-INCOME] (72,673)
[EPS-PRIMARY] (.17)
[EPS-DILUTED] (.17)
[YIELD-ACTUAL] 4.38
[LOANS-NON] 0
[LOANS-PAST] 0
[LOANS-TROUBLED] 0
[LOANS-PROBLEM] 0
[ALLOWANCE-OPEN] 81,202
[CHARGE-OFFS] 8,524
[RECOVERIES] 0
[ALLOWANCE-CLOSE] 100,000
[ALLOWANCE-DOMESTIC] 100,000
[ALLOWANCE-FOREIGN] 0
[ALLOWANCE-UNALLOCATED] 0
</TABLE>
SIGNATURES
Pursuant to the requirements of the Exchange Act, the registrant caused
this report to be signed on its behalf by the undersigned, thereunto duly
authorized.
CNB HOLDINGS, INC.
Date: July 22, 1996 By: Wayne L. Carpenter
Signature
President, Chief Executive Officer
and Principal Financial Officer