WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
This schedule contains financial information extracted from the consolidated
financial statements of First Southern Bancshares, Inc. and subsidiary for the
six months ended June 30, 2000 and is qualified in its entirety by reference to
such financial statements.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>
<PERIOD-END>                               JUN-30-2000
<CASH>                                           6,351
<INT-BEARING-DEPOSITS>                              55
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      4,382
<INVESTMENTS-CARRYING>                           3,444
<INVESTMENTS-MARKET>                             3,229
<LOANS>                                        152,302
<ALLOWANCE>                                      1,500
<TOTAL-ASSETS>                                 176,452
<DEPOSITS>                                     130,230
<SHORT-TERM>                                    12,708
<LIABILITIES-OTHER>                                801
<LONG-TERM>                                     19,589
                                0
                                          0
<COMMON>                                            21
<OTHER-SE>                                      13,103
<TOTAL-LIABILITIES-AND-EQUITY>                 176,452
<INTEREST-LOAN>                                  7,031
<INTEREST-INVEST>                                  260
<INTEREST-OTHER>                                   110
<INTEREST-TOTAL>                                 7,208
<INTEREST-DEPOSIT>                               2,835
<INTEREST-EXPENSE>                               3,913
<INTEREST-INCOME-NET>                            3,295
<LOAN-LOSSES>                                    1,285
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,444
<INCOME-PRETAX>                                   (65)
<INCOME-PRE-EXTRAORDINARY>                        (38)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      (38)
<EPS-BASIC>                                     (0.03)
<EPS-DILUTED>                                   (0.03)
<YIELD-ACTUAL>                                    3.73
<LOANS-NON>                                      1,477
<LOANS-PAST>                                     2,731
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  1,477
<ALLOWANCE-OPEN>                                 1,400
<CHARGE-OFFS>                                    1,224
<RECOVERIES>                                        39
<ALLOWANCE-CLOSE>                                1,500
<ALLOWANCE-DOMESTIC>                             1,482
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                             18


</TABLE>



© 2022 IncJournal is not affiliated with or endorsed by the U.S. Securities and Exchange Commission