<TABLE> <S> <C>


<ARTICLE>                                            9

<CIK>                         0000928484
<NAME>                        Greater Rome Bancshares, Inc.
<MULTIPLIER>                                   1
<CURRENCY>                                     U.S. dollars

<S>                             <C>
<PERIOD-TYPE>                 9-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-START>                                 JAN-01-1999
<PERIOD-END>                                   SEP-30-1999
<EXCHANGE-RATE>                                1
<CASH>                                          1,207,900
<INT-BEARING-DEPOSITS>                            466,737
<FED-FUNDS-SOLD>                                3,444,669
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    11,769,020
<INVESTMENTS-CARRYING>                          1,878,718
<INVESTMENTS-MARKET>                           0
<LOANS>                                        50,054,444
<ALLOWANCE>                                       679,608
<TOTAL-ASSETS>                                 73,727,037
<DEPOSITS>                                     58,747,159
<SHORT-TERM>                                    1,500,000
<LIABILITIES-OTHER>                               225,020
<LONG-TERM>                                     6,000,000
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                            7,016
<OTHER-SE>                                      7,116,314
<TOTAL-LIABILITIES-AND-EQUITY>                 73,727,037
<INTEREST-LOAN>                                 3,259,783
<INTEREST-INVEST>                                 496,948
<INTEREST-OTHER>                                  151,077
<INTEREST-TOTAL>                                3,907,808
<INTEREST-DEPOSIT>                              1,629,192
<INTEREST-EXPENSE>                              1,877,172
<INTEREST-INCOME-NET>                           2,030,636
<LOAN-LOSSES>                                     129,483
<SECURITIES-GAINS>                             0
<EXPENSE-OTHER>                                 1,568,636
<INCOME-PRETAX>                                   638,799
<INCOME-PRE-EXTRAORDINARY>                        638,799
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                      432,122
<EPS-BASIC>                                  00.62
<EPS-DILUTED>                                  00.60
<YIELD-ACTUAL>                                 04.43
<LOANS-NON>                                        38,202
<LOANS-PAST>                                   0
<LOANS-TROUBLED>                                  165,583
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                                  569,185
<CHARGE-OFFS>                                      49,464
<RECOVERIES>                                       30,404
<ALLOWANCE-CLOSE>                                 679,608
<ALLOWANCE-DOMESTIC>                              679,608
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        0



</TABLE>