<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,  1997,  AND  IS  QUALIFIED  IN ITS  ENTIRETY BY  REFERENCE TO SUCH
FINANCIAL STATEMENTS
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                  12-MOS
<FISCAL-YEAR-END>                             DEC-31-1997
<PERIOD-START>                                JAN-01-1997
<PERIOD-END>                                  DEC-31-1997
<CASH>                                          2,039,246
<INT-BEARING-DEPOSITS>                            990,000
<FED-FUNDS-SOLD>                                   38,000
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                     9,305,642
<INVESTMENTS-CARRYING>                          3,345,619
<INVESTMENTS-MARKET>                            3,466,339
<LOANS>                                        48,197,054
<ALLOWANCE>                                       583,432
<TOTAL-ASSETS>                                 65,512,679
<DEPOSITS>                                     55,980,085
<SHORT-TERM>                                      170,000
<LIABILITIES-OTHER>                             1,941,715
<LONG-TERM>                                             0
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0
<COMMON>                                          528,258
<OTHER-SE>                                      7,401,471
<TOTAL-LIABILITIES-AND-EQUITY>                 65,512,679
<INTEREST-LOAN>                                 4,781,290
<INTEREST-INVEST>                                 626,000
<INTEREST-OTHER>                                  127,720
<INTEREST-TOTAL>                                5,535,010
<INTEREST-DEPOSIT>                              2,186,191
<INTEREST-EXPENSE>                              2,259,206
<INTEREST-INCOME-NET>                           3,275,804
<LOAN-LOSSES>                                     180,000
<SECURITIES-GAINS>                                      0
<EXPENSE-OTHER>                                 2,077,884
<INCOME-PRETAX>                                 1,737,766
<INCOME-PRE-EXTRAORDINARY>                      1,157,766
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                    1,157,766
<EPS-PRIMARY>                                        2.30
<EPS-DILUTED>                                           0
<YIELD-ACTUAL>                                       5.65
<LOANS-NON>                                             0
<LOANS-PAST>                                            0
<LOANS-TROUBLED>                                        0
<LOANS-PROBLEM>                                         0
<ALLOWANCE-OPEN>                                  454,820
<CHARGE-OFFS>                                     122,780
<RECOVERIES>                                       71,392
<ALLOWANCE-CLOSE>                                 583,432
<ALLOWANCE-DOMESTIC>                              583,432
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                                 0
        

</TABLE>