<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 
FINANCIAL STATEMENTS OF HABERSHAM BANCORP FOR THE PERIOD ENDED SEPTEMBER 30, 
1996, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL 
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                       8,285,000
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             3,270,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 33,705,000
<INVESTMENTS-CARRYING>                      19,017,000
<INVESTMENTS-MARKET>                        19,043,000
<LOANS>                                    223,653,000
<ALLOWANCE>                                  2,337,000
<TOTAL-ASSETS>                             300,048,000
<DEPOSITS>                                 212,715,000
<SHORT-TERM>                                57,098,000
<LIABILITIES-OTHER>                          3,535,000
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     2,404,000
<OTHER-SE>                                  24,296,000
<TOTAL-LIABILITIES-AND-EQUITY>             300,483,000
<INTEREST-LOAN>                             14,175,000
<INTEREST-INVEST>                            2,376,000
<INTEREST-OTHER>                               365,000
<INTEREST-TOTAL>                            16,916,000
<INTEREST-DEPOSIT>                           6,906,000
<INTEREST-EXPENSE>                           7,680,000
<INTEREST-INCOME-NET>                        9,236,000
<LOAN-LOSSES>                                  270,000
<SECURITIES-GAINS>                              (8,000)
<EXPENSE-OTHER>                              8,434,000
<INCOME-PRETAX>                              1,583,000
<INCOME-PRE-EXTRAORDINARY>                   1,583,000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,267,000
<EPS-PRIMARY>                                      .53
<EPS-DILUTED>                                      .53
<YIELD-ACTUAL>                                    4.74
<LOANS-NON>                                  1,079,483
<LOANS-PAST>                                   127,502
<LOANS-TROUBLED>                             1,001,000
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             2,335,788
<CHARGE-OFFS>                                  393,232
<RECOVERIES>                                   124,435
<ALLOWANCE-CLOSE>                            2,336,991
<ALLOWANCE-DOMESTIC>                         2,336,991
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>