<TABLE> <S> <C>

<ARTICLE>         9
<CIK>    0000910678
<NAME>   PINNACLE FINANCIAL CORPORATION

<S>                                         <C>
<PERIOD-TYPE>                               9-MOS
<FISCAL-YEAR-END>                                    DEC-31-1999
<PERIOD-START>                                       JAN-01-1999
<PERIOD-END>                                         SEP-30-1999
<CASH>                                                 9,392,878
<INT-BEARING-DEPOSITS>                                         0
<FED-FUNDS-SOLD>                                               0
<TRADING-ASSETS>                                     101,389,378
<INVESTMENTS-HELD-FOR-SALE>                                    0
<INVESTMENTS-CARRYING>                                         0
<INVESTMENTS-MARKET>                                           0
<LOANS>                                              148,353,095
<ALLOWANCE>                                            2,172,112
<TOTAL-ASSETS>                                       273,040,219
<DEPOSITS>                                           225,111,118
<SHORT-TERM>                                             210,000
<LIABILITIES-OTHER>                                    3,506,083
<LONG-TERM>                                            3,000,000
<PREFERRED-MANDATORY>                                          0
<PREFERRED>                                                    0
<COMMON>                                               7,680,000
<OTHER-SE>                                            33,533,018
<TOTAL-LIABILITIES-AND-EQUITY>                       273,040,219
<INTEREST-LOAN>                                       10,718,228
<INTEREST-INVEST>                                      4,553,789
<INTEREST-OTHER>                                               0
<INTEREST-TOTAL>                                      15,272,017
<INTEREST-DEPOSIT>                                     5,571,109
<INTEREST-EXPENSE>                                     5,574,727
<INTEREST-INCOME-NET>                                  9,697,290
<LOAN-LOSSES>                                            225,000
<SECURITIES-GAINS>                                       (2,105)
<EXPENSE-OTHER>                                        5,717,252
<INCOME-PRETAX>                                        5,556,252
<INCOME-PRE-EXTRAORDINARY>                             3,822,252
<EXTRAORDINARY>                                                0
<CHANGES>                                                      0
<NET-INCOME>                                           3,822,252
<EPS-BASIC>                                                 4.98
<EPS-DILUTED>                                               4.98
<YIELD-ACTUAL>                                               8.3
<LOANS-NON>                                                9,000
<LOANS-PAST>                                             550,491
<LOANS-TROUBLED>                                         190,191
<LOANS-PROBLEM>                                          666,019
<ALLOWANCE-OPEN>                                       2,070,005
<CHARGE-OFFS>                                            262,122
<RECOVERIES>                                             139,229
<ALLOWANCE-CLOSE>                                      2,172,112
<ALLOWANCE-DOMESTIC>                                     509,000
<ALLOWANCE-FOREIGN>                                            0
<ALLOWANCE-UNALLOCATED>                                1,663,112


</TABLE>