<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
consolidated balance sheets and statements of income of One Valley Bancorp as
well as supplemental schedules of the analysis of loan losses and non-performing
assets and the consolidated average balance sheets and is qualified in it
entirety by reference to such financial statements and supplemental schedules.
</LEGEND>
<RESTATED>
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   9-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1997
<PERIOD-END>                               SEP-30-1998             SEP-30-1997
<CASH>                                          144495                  145140
<INT-BEARING-DEPOSITS>                            4843                    5783
<FED-FUNDS-SOLD>                                 47951                   49475
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                    1320845                 1177818
<INVESTMENTS-CARRYING>                          255264                  334558
<INVESTMENTS-MARKET>                            264816                  341337
<LOANS>                                        3902448                 3227413
<ALLOWANCE>                                      51826                   45040
<TOTAL-ASSETS>                                 5856422                 5073835
<DEPOSITS>                                     4433601                 3880354
<SHORT-TERM>                                    740316                  594941
<LIABILITIES-OTHER>                              56897                   48809
<LONG-TERM>                                      37084                   53877
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                        390623                  362284
<OTHER-SE>                                      197901                  133570
<TOTAL-LIABILITIES-AND-EQUITY>                 5856422                 5073835
<INTEREST-LOAN>                                 234579                  208043
<INTEREST-INVEST>                                76865                   71177
<INTEREST-OTHER>                                  1169                    1299
<INTEREST-TOTAL>                                312613                  280519
<INTEREST-DEPOSIT>                              119316                  110156
<INTEREST-EXPENSE>                              149154                  130925
<INTEREST-INCOME-NET>                           163459                  149594
<LOAN-LOSSES>                                     7481                    5291
<SECURITIES-GAINS>                                 989                     377
<EXPENSE-OTHER>                                 119336                  104339
<INCOME-PRETAX>                                  80916                   75660
<INCOME-PRE-EXTRAORDINARY>                       80916                   75660
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     53515                   49784
<EPS-PRIMARY>                                     1.63                    1.56
<EPS-DILUTED>                                     1.60                    1.52
<YIELD-ACTUAL>                                    8.16                    8.31
<LOANS-NON>                                       7189                   10740
<LOANS-PAST>                                      8590                    6409
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 45048                   45055
<CHARGE-OFFS>                                     6048                    7118
<RECOVERIES>                                      1516                    1812
<ALLOWANCE-CLOSE>                                51826                   45040
<ALLOWANCE-DOMESTIC>                             51826                   45040
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0
        


</TABLE>