<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>                    6-MOS
<FISCAL-YEAR-END>                               DEC-31-2000
<PERIOD-START>                                  JAN-01-2000
<PERIOD-END>                                    JUN-30-2000
<CASH>                                                4,893
<INT-BEARING-DEPOSITS>                                  491
<FED-FUNDS-SOLD>                                        800
<TRADING-ASSETS>                                          0
<INVESTMENTS-HELD-FOR-SALE>                          12,019
<INVESTMENTS-CARRYING>                                3,367
<INVESTMENTS-MARKET>                                  3,347
<LOANS>                                              72,660
<ALLOWANCE>                                             719
<TOTAL-ASSETS>                                       98,332
<DEPOSITS>                                           82,910
<SHORT-TERM>                                              0
<LIABILITIES-OTHER>                                   1,460
<LONG-TERM>                                           2,750
<PREFERRED-MANDATORY>                                     0
<PREFERRED>                                               0
<COMMON>                                                558
<OTHER-SE>                                           10,581
<TOTAL-LIABILITIES-AND-EQUITY>                       98,332
<INTEREST-LOAN>                                       3,502
<INTEREST-INVEST>                                       468
<INTEREST-OTHER>                                         98
<INTEREST-TOTAL>                                      4,068
<INTEREST-DEPOSIT>                                    1,489
<INTEREST-EXPENSE>                                    1,592
<INTEREST-INCOME-NET>                                 2,476
<LOAN-LOSSES>                                            30
<SECURITIES-GAINS>                                      336
<EXPENSE-OTHER>                                       1,938
<INCOME-PRETAX>                                       1,378
<INCOME-PRE-EXTRAORDINARY>                            1,378
<EXTRAORDINARY>                                           0
<CHANGES>                                                 0
<NET-INCOME>                                            919
<EPS-BASIC>                                             .82
<EPS-DILUTED>                                           .82
<YIELD-ACTUAL>                                         5.57
<LOANS-NON>                                              81
<LOANS-PAST>                                            276
<LOANS-TROUBLED>                                          0
<LOANS-PROBLEM>                                           0
<ALLOWANCE-OPEN>                                        763
<CHARGE-OFFS>                                            76
<RECOVERIES>                                             17
<ALLOWANCE-CLOSE>                                       735
<ALLOWANCE-DOMESTIC>                                    735
<ALLOWANCE-FOREIGN>                                       0
<ALLOWANCE-UNALLOCATED>                                   0



</TABLE>