<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM HIGHLANDS
BANKSHARES, INC. FORM 10K AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
</LEGEND>
<CIK>                         0000756862
<NAME>                        HIGHLANDS BANKSHARES, INC.
<MULTIPLIER>                                   1,000


<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-START>                                 JAN-01-2000
<PERIOD-END>                                   DEC-31-2000
<CASH>                                         7,062
<INT-BEARING-DEPOSITS>                         6,361
<FED-FUNDS-SOLD>                               7,039
<TRADING-ASSETS>                                   0
<INVESTMENTS-HELD-FOR-SALE>                   23,598
<INVESTMENTS-CARRYING>                         2,228
<INVESTMENTS-MARKET>                           2,234
<LOANS>                                      189,268
<ALLOWANCE>                                   (1,493)
<TOTAL-ASSETS>                               248,601
<DEPOSITS>                                   216,571
<SHORT-TERM>                                   1,172
<LIABILITIES-OTHER>                            1,752
<LONG-TERM>                                    2,837
<PREFERRED-MANDATORY>                              0
<PREFERRED>                                        0
<COMMON>                                       2,734
<OTHER-SE>                                    23,534
<TOTAL-LIABILITIES-AND-EQUITY>               248,601
<INTEREST-LOAN>                               15,892
<INTEREST-INVEST>                              1,806
<INTEREST-OTHER>                                 509
<INTEREST-TOTAL>                              18,207
<INTEREST-DEPOSIT>                             8,578
<INTEREST-EXPENSE>                             8,790
<INTEREST-INCOME-NET>                          9,417
<LOAN-LOSSES>                                    500
<SECURITIES-GAINS>                               104
<EXPENSE-OTHER>                                6,631
<INCOME-PRETAX>                                3,550
<INCOME-PRE-EXTRAORDINARY>                     2,381
<EXTRAORDINARY>                                    0
<CHANGES>                                          0
<NET-INCOME>                                   2,381
<EPS-BASIC>                                     4.74
<EPS-DILUTED>                                   4.74
<YIELD-ACTUAL>                                  4.43
<LOANS-NON>                                       32
<LOANS-PAST>                                   2,341
<LOANS-TROUBLED>                                   0
<LOANS-PROBLEM>                                    0
<ALLOWANCE-OPEN>                               1,318
<CHARGE-OFFS>                                    515
<RECOVERIES>                                     103
<ALLOWANCE-CLOSE>                              1,493
<ALLOWANCE-DOMESTIC>                           1,493
<ALLOWANCE-FOREIGN>                                0
<ALLOWANCE-UNALLOCATED>                            0


</TABLE>