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

<TABLE> <S> <C>


High Point Financial Corp.
Financial Data schedule
EDGAR Only
Form 10Q & 10K

<ARTICLE>                                                          9
       
<S>                                       <C>  
<PERIOD-TYPE>                             9-MOS
<FISCAL-YEAR-END>                                        DEC-31-1998
<PERIOD-END>                                             SEP-30-1998
<CASH>                                                         9,622
<INT-BEARING-DEPOSITS>                                             0
<FED-FUNDS-SOLD>                                              14,950
<TRADING-ASSETS>                                                   0
<INVESTMENTS-HELD-FOR-SALE>                                   52,384
<INVESTMENTS-CARRYING>                                        23,724
<INVESTMENTS-MARKET>                                          24,007
<LOANS>                                                      137,830
<ALLOWANCE>                                                    3,963
<TOTAL-ASSETS>                                               252,746
<DEPOSITS>                                                   214,510
<SHORT-TERM>                                                   6,537
<LIABILITIES-OTHER>                                            2,533
<LONG-TERM>                                                    5,000
<PREFERRED-MANDATORY>                                              0
<PREFERRED>                                                        0
<COMMON>                                                      19,057
<OTHER-SE>                                                     5,109
<TOTAL-LIABILITIES-AND-EQUITY>                               252,746
<INTEREST-LOAN>                                                8,650
<INTEREST-INVEST>                                              3,437
<INTEREST-OTHER>                                                 615
<INTEREST-TOTAL>                                              12,702
<INTEREST-DEPOSIT>                                             4,639
<INTEREST-EXPENSE>                                             5,143
<INTEREST-INCOME-NET>                                          7,559
<LOAN-LOSSES>                                                      0
<SECURITIES-GAINS>                                                 0
<EXPENSE-OTHER>                                                6,868
<INCOME-PRETAX>                                                2,642
<INCOME-PRE-EXTRAORDINARY>                                     2,642
<EXTRAORDINARY>                                                    0
<CHANGES>                                                          0
<NET-INCOME>                                                   1,573
<EPS-PRIMARY>                                                   0.41
<EPS-DILUTED>                                                   0.41
<YIELD-ACTUAL>                                                  4.54
<LOANS-NON>                                                    2,940
<LOANS-PAST>                                                     109
<LOANS-TROUBLED>                                                 403
<LOANS-PROBLEM>                                                7,201
<ALLOWANCE-OPEN>                                               4,120
<CHARGE-OFFS>                                                   (388)
<RECOVERIES>                                                     231
<ALLOWANCE-CLOSE>                                              3,963
<ALLOWANCE-DOMESTIC>                                           3,963
<ALLOWANCE-FOREIGN>                                                0
<ALLOWANCE-UNALLOCATED>                                            0
        


</TABLE>