<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>                   6-MOS                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999             DEC-31-1998
<PERIOD-END>                               JUN-30-1999             JUN-30-1998
<CASH>                                          159479                  155574
<INT-BEARING-DEPOSITS>                            3519                    1990
<FED-FUNDS-SOLD>                                     0                   47042
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                    1456371                 1386666
<INVESTMENTS-CARRYING>                          270073                  241600
<INVESTMENTS-MARKET>                            268977                  247966
<LOANS>                                        4173003                 3674682
<ALLOWANCE>                                      53407                   48907
<TOTAL-ASSETS>                                 6252443                 5688065
<DEPOSITS>                                     4564345                 4248278
<SHORT-TERM>                                    759638                  786702
<LIABILITIES-OTHER>                              50717                   59201
<LONG-TERM>                                     330369                   41862
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                        393880                  371622
<OTHER-SE>                                      153494                  180400
<TOTAL-LIABILITIES-AND-EQUITY>                 6252443                 5688065
<INTEREST-LOAN>                                 167826                  151854
<INTEREST-INVEST>                                48726                   51850
<INTEREST-OTHER>                                   695                     672
<INTEREST-TOTAL>                                217247                  204376
<INTEREST-DEPOSIT>                               78338                   77960
<INTEREST-EXPENSE>                               99462                   97485
<INTEREST-INCOME-NET>                           117785                  106891
<LOAN-LOSSES>                                     4455                    4888
<SECURITIES-GAINS>                                 403                     723
<EXPENSE-OTHER>                                  86524                   78428
<INCOME-PRETAX>                                  60698                   52522
<INCOME-PRE-EXTRAORDINARY>                       60698                   52522
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     40572                   34530
<EPS-BASIC>                                     1.19                    1.07
<EPS-DILUTED>                                     1.17                    1.05
<YIELD-ACTUAL>                                    7.82                    8.18
<LOANS-NON>                                       9085                   10185
<LOANS-PAST>                                      6723                    5864
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 52272                   45048
<CHARGE-OFFS>                                     4251                    3982
<RECOVERIES>                                       931                     981
<ALLOWANCE-CLOSE>                                53407                   48907
<ALLOWANCE-DOMESTIC>                             53407                   48907
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0


</TABLE>