<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
This schedule contains summary financial information extracted from Pioneer
Bankshares, Inc., Form 10Q and is qualified in its entirety by reference to such
financial statements.
</LEGEND>
<MULTIPLIER>                                    1,000

<S>                             <C>
<PERIOD-TYPE>                    9-MOS
<FISCAL-YEAR-END>                               DEC-31-2000
<PERIOD-START>                                  JAN-01-2000
<PERIOD-END>                                    SEP-30-2000
<CASH>                                                4,244
<INT-BEARING-DEPOSITS>                                   68
<FED-FUNDS-SOLD>                                        240
<TRADING-ASSETS>                                          0
<INVESTMENTS-HELD-FOR-SALE>                          11,881
<INVESTMENTS-CARRYING>                                3,162
<INVESTMENTS-MARKET>                                  3,166
<LOANS>                                              74,188
<ALLOWANCE>                                             629
<TOTAL-ASSETS>                                       98,130
<DEPOSITS>                                           83,270
<SHORT-TERM>                                              0
<LIABILITIES-OTHER>                                   1,580
<LONG-TERM>                                           1,800
<PREFERRED-MANDATORY>                                     0
<PREFERRED>                                               0
<COMMON>                                                558
<OTHER-SE>                                           10,922
<TOTAL-LIABILITIES-AND-EQUITY>                       98,130
<INTEREST-LOAN>                                       5,339
<INTEREST-INVEST>                                       701
<INTEREST-OTHER>                                        118
<INTEREST-TOTAL>                                      6,158
<INTEREST-DEPOSIT>                                    2,260
<INTEREST-EXPENSE>                                    2,395
<INTEREST-INCOME-NET>                                 3,763
<LOAN-LOSSES>                                            45
<SECURITIES-GAINS>                                      374
<EXPENSE-OTHER>                                       2,923
<INCOME-PRETAX>                                       1,881
<INCOME-PRE-EXTRAORDINARY>                            1,881
<EXTRAORDINARY>                                           0
<CHANGES>                                                 0
<NET-INCOME>                                          1,265
<EPS-BASIC>                                            1.13
<EPS-DILUTED>                                          1.13
<YIELD-ACTUAL>                                         5.64
<LOANS-NON>                                             163
<LOANS-PAST>                                             23
<LOANS-TROUBLED>                                          0
<LOANS-PROBLEM>                                           0
<ALLOWANCE-OPEN>                                        779
<CHARGE-OFFS>                                           266
<RECOVERIES>                                             71
<ALLOWANCE-CLOSE>                                       629
<ALLOWANCE-DOMESTIC>                                    629
<ALLOWANCE-FOREIGN>                                       0
<ALLOWANCE-UNALLOCATED>                                   0




</TABLE>