<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 schedule of the analysis of loan losses and non-performing
assets and the consolidated average balance sheets and is qualified in its
entirety by reference to such financial statements and supplemental schedules.
</LEGEND>

<S>                             <C>                     <C>
<PERIOD-TYPE>                   9-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999             DEC-31-1998
<PERIOD-END>                               SEP-30-1999             SEP-30-1998
<CASH>                                          156010                  144495
<INT-BEARING-DEPOSITS>                            2677                    4843
<FED-FUNDS-SOLD>                                 38690                   47951
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                    1436240                 1320845
<INVESTMENTS-CARRYING>                          271208                  255264
<INVESTMENTS-MARKET>                            267759                  264816
<LOANS>                                        4317595                 3902448
<ALLOWANCE>                                      54155                   51826
<TOTAL-ASSETS>                                 6413008                 5856422
<DEPOSITS>                                     4587190                 4433601
<SHORT-TERM>                                    786715                  740316
<LIABILITIES-OTHER>                              53529                   56897
<LONG-TERM>                                     429606                   37084
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                        394100                  390623
<OTHER-SE>                                      161868                  197901
<TOTAL-LIABILITIES-AND-EQUITY>                 6413008                 5856422
<INTEREST-LOAN>                                 255061                  234579
<INTEREST-INVEST>                                74295                   76865
<INTEREST-OTHER>                                   980                    1169
<INTEREST-TOTAL>                                330336                  312613
<INTEREST-DEPOSIT>                              118172                  119316
<INTEREST-EXPENSE>                              153533                  149154
<INTEREST-INCOME-NET>                           176803                  163459
<LOAN-LOSSES>                                     6780                    7481
<SECURITIES-GAINS>                                 100                     989
<EXPENSE-OTHER>                                 130183                  119336
<INCOME-PRETAX>                                  91309                   80916
<INCOME-PRE-EXTRAORDINARY>                       91309                   80916
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     61092                   53515
<EPS-BASIC>                                     1.80                    1.63
<EPS-DILUTED>                                     1.78                    1.60
<YIELD-ACTUAL>                                    7.80                    8.16
<LOANS-NON>                                       7961                    7189
<LOANS-PAST>                                      6575                    8590
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 52272                   45048
<CHARGE-OFFS>                                     6425                    6048
<RECOVERIES>                                      1528                    1516
<ALLOWANCE-CLOSE>                                54155                   51826
<ALLOWANCE-DOMESTIC>                             54155                   51826
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0



</TABLE>