<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-31-1999             DEC-31-1998
<PERIOD-END>                               MAR-31-1999             MAR-31-1998
<CASH>                                          157688                  156778
<INT-BEARING-DEPOSITS>                            2601                    3288
<FED-FUNDS-SOLD>                                     0                    5364
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                    1271366                 1410300
<INVESTMENTS-CARRYING>                          276174                  244379
<INVESTMENTS-MARKET>                            282896                  249668
<LOANS>                                        4085086                 3537802
<ALLOWANCE>                                      52645                   47871
<TOTAL-ASSETS>                                 5973919                 5541836
<DEPOSITS>                                     4552861                 4249313
<SHORT-TERM>                                    727480                  652241
<LIABILITIES-OTHER>                              58246                   51007
<LONG-TERM>                                      54512                   48872
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                        392213                  370857
<OTHER-SE>                                      188607                  169546
<TOTAL-LIABILITIES-AND-EQUITY>                 5973919                 5541836
<INTEREST-LOAN>                                  82444                   73809
<INTEREST-INVEST>                                23388                   26086
<INTEREST-OTHER>                                   134                     191
<INTEREST-TOTAL>                                105966                  100086
<INTEREST-DEPOSIT>                               39201                   38438
<INTEREST-EXPENSE>                               48111                   48113
<INTEREST-INCOME-NET>                            57855                   51973
<LOAN-LOSSES>                                     2116                    2594
<SECURITIES-GAINS>                                 403                     537
<EXPENSE-OTHER>                                  42541                   38267
<INCOME-PRETAX>                                  29855                   25456
<INCOME-PRE-EXTRAORDINARY>                       29855                   25456
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     19943                   16511
<EPS-PRIMARY>                                     0.58                    0.52
<EPS-DILUTED>                                     0.57                    0.51
<YIELD-ACTUAL>                                    7.84                    8.23
<LOANS-NON>                                       9690                   11406
<LOANS-PAST>                                      5249                    4574
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 52272                   45048
<CHARGE-OFFS>                                     2236                    2252
<RECOVERIES>                                       493                     509
<ALLOWANCE-CLOSE>                                52645                   47871
<ALLOWANCE-DOMESTIC>                             52645                   47871
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0
        

</TABLE>