<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF FIRST MCMINNVILLE CORPORATION FOR THE NINE MONTHS ENDED
SEPTEMBER 30, 1996 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                           6,299
<INT-BEARING-DEPOSITS>                             100
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     24,675
<INVESTMENTS-CARRYING>                          55,277
<INVESTMENTS-MARKET>                            55,523
<LOANS>                                        105,654
<ALLOWANCE>                                      1,563
<TOTAL-ASSETS>                                 196,151
<DEPOSITS>                                     157,841
<SHORT-TERM>                                     5,990
<LIABILITIES-OTHER>                              2,321
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,512
<OTHER-SE>                                      28,487
<TOTAL-LIABILITIES-AND-EQUITY>                 196,151
<INTEREST-LOAN>                                  6,862
<INTEREST-INVEST>                                3,882
<INTEREST-OTHER>                                    79
<INTEREST-TOTAL>                                10,823
<INTEREST-DEPOSIT>                               4,839
<INTEREST-EXPENSE>                               4,942
<INTEREST-INCOME-NET>                            5,881
<LOAN-LOSSES>                                       30
<SECURITIES-GAINS>                                 (93)
<EXPENSE-OTHER>                                  2,618
<INCOME-PRETAX>                                  3,697
<INCOME-PRE-EXTRAORDINARY>                       3,697
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,638
<EPS-PRIMARY>                                     4.84
<EPS-DILUTED>                                     4.84
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0
<LOANS-PAST>                                       940
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  7,974
<ALLOWANCE-OPEN>                                 1,562
<CHARGE-OFFS>                                       77
<RECOVERIES>                                        48
<ALLOWANCE-CLOSE>                                1,563
<ALLOWANCE-DOMESTIC>                             1,563
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>