<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
DECEMBER 31, 1999 10-KSB FINANCIAL STATEMENTS OF GEORGIA CAROLINA BANCSHARES AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS

<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               DEC-31-1999
<EXCHANGE-RATE>                                      1
<CASH>                                           3,271
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                17,010
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     12,436
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         36,093
<ALLOWANCE>                                      1,000
<TOTAL-ASSETS>                                  72,719
<DEPOSITS>                                      61,325
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                551
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             1
<OTHER-SE>                                      10,842
<TOTAL-LIABILITIES-AND-EQUITY>                  72,719
<INTEREST-LOAN>                                  2,818
<INTEREST-INVEST>                                  809
<INTEREST-OTHER>                                   284
<INTEREST-TOTAL>                                 3,911
<INTEREST-DEPOSIT>                               1,651
<INTEREST-EXPENSE>                               1,657
<INTEREST-INCOME-NET>                            2,254
<LOAN-LOSSES>                                      115
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,428
<INCOME-PRETAX>                                     83
<INCOME-PRE-EXTRAORDINARY>                          83
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                        71
<EPS-BASIC>                                        .08
<EPS-DILUTED>                                      .08
<YIELD-ACTUAL>                                    4.62
<LOANS-NON>                                      1,140
<LOANS-PAST>                                         5
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   835
<CHARGE-OFFS>                                       21
<RECOVERIES>                                        71
<ALLOWANCE-CLOSE>                                1,000
<ALLOWANCE-DOMESTIC>                             1,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            544


</TABLE>