<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
GEORGIA-CAROLINA BANCSHARES, INC. SEPTEMBER 30, 1999 10-QSB FINANCIAL
STATEMENTS, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<EXCHANGE-RATE>                                      1
<CASH>                                           2,049
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 3,150
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     12,494
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         35,040
<ALLOWANCE>                                        971
<TOTAL-ASSETS>                                  56,567
<DEPOSITS>                                      45,219
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                457
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             1
<OTHER-SE>                                      10,890
<TOTAL-LIABILITIES-AND-EQUITY>                  56,567
<INTEREST-LOAN>                                  2,007
<INTEREST-INVEST>                                  610
<INTEREST-OTHER>                                   128
<INTEREST-TOTAL>                                 2,745
<INTEREST-DEPOSIT>                               1,092
<INTEREST-EXPENSE>                               1,093
<INTEREST-INCOME-NET>                            1,652
<LOAN-LOSSES>                                       80
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,655
<INCOME-PRETAX>                                    189
<INCOME-PRE-EXTRAORDINARY>                         189
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       123
<EPS-BASIC>                                        .14
<EPS-DILUTED>                                      .14
<YIELD-ACTUAL>                                     8.1
<LOANS-NON>                                        357
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   835
<CHARGE-OFFS>                                       18
<RECOVERIES>                                       154
<ALLOWANCE-CLOSE>                                  971
<ALLOWANCE-DOMESTIC>                               971
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        593,954


</TABLE>