<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 it
entirety by reference to such financial statements and supplemental schedules.
</LEGEND>

<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000             DEC-31-1999
<PERIOD-END>                               MAR-31-2000             MAR-31-1999
<CASH>                                          158280                  157688
<INT-BEARING-DEPOSITS>                            3672                    2601
<FED-FUNDS-SOLD>                                168000                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                    1228560                 1271366
<INVESTMENTS-CARRYING>                          282412                  276174
<INVESTMENTS-MARKET>                            275972                  282896
<LOANS>                                        4424862                 4085086
<ALLOWANCE>                                      55250                   52645
<TOTAL-ASSETS>                                 6473452                 5973919
<DEPOSITS>                                     4639846                 4552861
<SHORT-TERM>                                    599008                  727480
<LIABILITIES-OTHER>                              69871                   58246
<LONG-TERM>                                     590532                   54512
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                        397008                  392213
<OTHER-SE>                                      177187                  188607
<TOTAL-LIABILITIES-AND-EQUITY>                 6473452                 5973919
<INTEREST-LOAN>                                  90598                   82444
<INTEREST-INVEST>                                24270                   23388
<INTEREST-OTHER>                                   688                     134
<INTEREST-TOTAL>                                115556                  105966
<INTEREST-DEPOSIT>                               40667                   39201
<INTEREST-EXPENSE>                               56621                   48111
<INTEREST-INCOME-NET>                            58935                   57855
<LOAN-LOSSES>                                     2653                    2116
<SECURITIES-GAINS>                                   5                     403
<EXPENSE-OTHER>                                  43650                   42541
<INCOME-PRETAX>                                  30796                   29855
<INCOME-PRE-EXTRAORDINARY>                       30796                   29855
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     20559                   19943
<EPS-BASIC>                                       0.61                    0.58
<EPS-DILUTED>                                     0.61                    0.57
<YIELD-ACTUAL>                                    7.96                    7.84
<LOANS-NON>                                      10411                    9690
<LOANS-PAST>                                      4954                    5249
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 54156                   52272
<CHARGE-OFFS>                                     2038                    2236
<RECOVERIES>                                       479                     493
<ALLOWANCE-CLOSE>                                55250                   52645
<ALLOWANCE-DOMESTIC>                             55250                   52645
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0



</TABLE>