FIRST BANCSHARES INC /MS/
10QSB, EX-27, 2000-08-14
NATIONAL 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-START>                             APR-01-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                           4,246
<INT-BEARING-DEPOSITS>                             239
<FED-FUNDS-SOLD>                                 3,622
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     13,093
<INVESTMENTS-CARRYING>                              79
<INVESTMENTS-MARKET>                                81
<LOANS>                                         77,164
<ALLOWANCE>                                        920
<TOTAL-ASSETS>                                 105,273
<DEPOSITS>                                      85,022
<SHORT-TERM>                                     1,450
<LIABILITIES-OTHER>                                414
<LONG-TERM>                                      5,706
                                0
                                          0
<COMMON>                                         1,153
<OTHER-SE>                                      11,528
<TOTAL-LIABILITIES-AND-EQUITY>                 105,273
<INTEREST-LOAN>                                  3,389
<INTEREST-INVEST>                                  466
<INTEREST-OTHER>                                    66
<INTEREST-TOTAL>                                 3,921
<INTEREST-DEPOSIT>                               1,827
<INTEREST-EXPENSE>                                 166
<INTEREST-INCOME-NET>                            1,928
<LOAN-LOSSES>                                      241
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,799
<INCOME-PRETAX>                                    192
<INCOME-PRE-EXTRAORDINARY>                         192
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       192
<EPS-BASIC>                                        .17
<EPS-DILUTED>                                      .16
<YIELD-ACTUAL>                                    4.70
<LOANS-NON>                                        488
<LOANS-PAST>                                        45
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   740
<CHARGE-OFFS>                                       82
<RECOVERIES>                                        22
<ALLOWANCE-CLOSE>                                  920
<ALLOWANCE-DOMESTIC>                               920
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>


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