<TABLE> <S> <C>

<ARTICLE>                     9
<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
FINANCIAL  STATEMENTS  OF BRYAN  BANCORP OF GEORGIA,  INC.  FOR THE PERIOD ENDED
DECEMBER  31,  1996,  AND  IS  QUALIFIED  IN ITS  ENTIRETY BY  REFERENCE TO SUCH
FINANCIAL STATEMENTS
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                  12-MOS
<FISCAL-YEAR-END>                             DEC-31-1996
<PERIOD-START>                                JAN-01-1996
<PERIOD-END>                                  DEC-31-1996
<CASH>                                          2,296,408
<INT-BEARING-DEPOSITS>                                  0
<FED-FUNDS-SOLD>                                5,530,000
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                     5,289,372
<INVESTMENTS-CARRYING>                          3,194,200
<INVESTMENTS-MARKET>                            3,330,320
<LOANS>                                        42,260,259
<ALLOWANCE>                                       454,820
<TOTAL-ASSETS>                                 60,212,910
<DEPOSITS>                                     52,604,076
<SHORT-TERM>                                      433,195
<LIABILITIES-OTHER>                               405,135
<LONG-TERM>                                             0
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0
<COMMON>                                          521,758
<OTHER-SE>                                      6,248,746
<TOTAL-LIABILITIES-AND-EQUITY>                 60,212,910
<INTEREST-LOAN>                                 3,898,485
<INTEREST-INVEST>                                 477,480
<INTEREST-OTHER>                                  151,236
<INTEREST-TOTAL>                                4,526,931
<INTEREST-DEPOSIT>                              1,888,093
<INTEREST-EXPENSE>                              1,915,511
<INTEREST-INCOME-NET>                           2,611,420
<LOAN-LOSSES>                                      90,000
<SECURITIES-GAINS>                                      0
<EXPENSE-OTHER>                                 1,840,733
<INCOME-PRETAX>                                 1,529,323
<INCOME-PRE-EXTRAORDINARY>                      1,021,323
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                    1,021,323
<EPS-PRIMARY>                                        2.01
<EPS-DILUTED>                                           0
<YIELD-ACTUAL>                                       5.32
<LOANS-NON>                                             0
<LOANS-PAST>                                            0
<LOANS-TROUBLED>                                        0
<LOANS-PROBLEM>                                         0
<ALLOWANCE-OPEN>                                  427,662
<CHARGE-OFFS>                                      89,659
<RECOVERIES>                                       26,817
<ALLOWANCE-CLOSE>                                 454,820
<ALLOWANCE-DOMESTIC>                              454,820
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                                 0


</TABLE>