<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
HIGHLANDS UNION BANKSHARES AND SUBSIDIARIES CONSOLIDATED BALANCE SHEET AT
DECEMBER 31, 1999 AND THE CONSOLIDATED STATEMENT OF OPERATIONS FOR THE YEAR
ENDED DECEMBER 31, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                          13,988
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     70,798
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        261,678
<ALLOWANCE>                                      2,494
<TOTAL-ASSETS>                                 358,348
<DEPOSITS>                                     306,193
<SHORT-TERM>                                    11,187
<LIABILITIES-OTHER>                              2,461
<LONG-TERM>                                     18,099
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         3,280
<OTHER-SE>                                      17,128
<TOTAL-LIABILITIES-AND-EQUITY>                 358,348
<INTEREST-LOAN>                                 21,873
<INTEREST-INVEST>                                3,733
<INTEREST-OTHER>                                    65
<INTEREST-TOTAL>                                25,671
<INTEREST-DEPOSIT>                              12,810
<INTEREST-EXPENSE>                              14,167
<INTEREST-INCOME-NET>                           11,504
<LOAN-LOSSES>                                    1,418
<SECURITIES-GAINS>                                 117
<EXPENSE-OTHER>                                  8,187
<INCOME-PRETAX>                                  3,252
<INCOME-PRE-EXTRAORDINARY>                       3,252
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,131
<EPS-BASIC>                                        .85
<EPS-DILUTED>                                      .84
<YIELD-ACTUAL>                                    3.70
<LOANS-NON>                                      1,152
<LOANS-PAST>                                       497
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,008
<CHARGE-OFFS>                                    1,094
<RECOVERIES>                                       162
<ALLOWANCE-CLOSE>                                2,494
<ALLOWANCE-DOMESTIC>                             2,494
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>