<TABLE> <S> <C>

<ARTICLE> 9
<CIK>                      0001078676
<NAME>                     HCNB BANCORP INC

<S>                                         <C>
<PERIOD-TYPE>                                        3-MOS
<FISCAL-YEAR-END>                                    DEC-31-2000
<PERIOD-START>                                       JAN-01-2000
<PERIOD-END>                                         MAR-31-2000
<CASH>                                                   204,853
<INT-BEARING-DEPOSITS>                                         0
<FED-FUNDS-SOLD>                                       1,999,101
<TRADING-ASSETS>                                               0
<INVESTMENTS-HELD-FOR-SALE>                              180,000
<INVESTMENTS-CARRYING>                                 5,266,764
<INVESTMENTS-MARKET>                                           0
<LOANS>                                                1,522,120
<ALLOWANCE>                                               18,858
<TOTAL-ASSETS>                                         9,719,417
<DEPOSITS>                                             3,675,033
<SHORT-TERM>                                                   0
<LIABILITIES-OTHER>                                      145,310
<LONG-TERM>                                                    0
<PREFERRED-MANDATORY>                                          0
<PREFERRED>                                                    0
<COMMON>                                                   7,002
<OTHER-SE>                                             5,892,072
<TOTAL-LIABILITIES-AND-EQUITY>                         9,719,417
<INTEREST-LOAN>                                           20,249
<INTEREST-INVEST>                                         97,095
<INTEREST-OTHER>                                               0
<INTEREST-TOTAL>                                         117,344
<INTEREST-DEPOSIT>                                        21,946
<INTEREST-EXPENSE>                                             0
<INTEREST-INCOME-NET>                                     95,398
<LOAN-LOSSES>                                                  0
<SECURITIES-GAINS>                                             0
<EXPENSE-OTHER>                                          286,645
<INCOME-PRETAX>                                        (207,514)
<INCOME-PRE-EXTRAORDINARY>                             (207,514)
<EXTRAORDINARY>                                                0
<CHANGES>                                                      0
<NET-INCOME>                                           (207,514)
<EPS-BASIC>                                               (.297)
<EPS-DILUTED>                                             (.297)
<YIELD-ACTUAL>                                              6.20
<LOANS-NON>                                                    0
<LOANS-PAST>                                                   0
<LOANS-TROUBLED>                                               0
<LOANS-PROBLEM>                                                0
<ALLOWANCE-OPEN>                                               0
<CHARGE-OFFS>                                                  0
<RECOVERIES>                                                   0
<ALLOWANCE-CLOSE>                                         18,858
<ALLOWANCE-DOMESTIC>                                      18,858
<ALLOWANCE-FOREIGN>                                            0
<ALLOWANCE-UNALLOCATED>                                        0


</TABLE>