<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF BANC CORPORATION FOR THE THREE MONTHS ENDED MARCH 31,
1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                          27,425
<INT-BEARING-DEPOSITS>                             685
<FED-FUNDS-SOLD>                                 2,445
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     59,687
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        404,687
<ALLOWANCE>                                      4,743
<TOTAL-ASSETS>                                 536,897
<DEPOSITS>                                     448,630
<SHORT-TERM>                                     2,417
<LIABILITIES-OTHER>                              3,150
<LONG-TERM>                                     23,160
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            12
<OTHER-SE>                                      59,528
<TOTAL-LIABILITIES-AND-EQUITY>                 536,897
<INTEREST-LOAN>                                  9,041
<INTEREST-INVEST>                                  950
<INTEREST-OTHER>                                   133
<INTEREST-TOTAL>                                10,124
<INTEREST-DEPOSIT>                               4,240
<INTEREST-EXPENSE>                               4,525
<INTEREST-INCOME-NET>                            5,599
<LOAN-LOSSES>                                      224
<SECURITIES-GAINS>                                 (20)
<EXPENSE-OTHER>                                  5,735
<INCOME-PRETAX>                                    522
<INCOME-PRE-EXTRAORDINARY>                         522
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       504
<EPS-PRIMARY>                                     0.04
<EPS-DILUTED>                                     0.04
<YIELD-ACTUAL>                                    4.84
<LOANS-NON>                                      1,596
<LOANS-PAST>                                       986
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,533
<CHARGE-OFFS>                                      200
<RECOVERIES>                                       186
<ALLOWANCE-CLOSE>                                4,743
<ALLOWANCE-DOMESTIC>                             4,743
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>