<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF FIRST MCMINNVILLE CORP FOR THE NINE MONTHS ENDED
SEPTEMBER 30, 1998 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                           6,087
<INT-BEARING-DEPOSITS>                             100
<FED-FUNDS-SOLD>                                22,600
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     57,655
<INVESTMENTS-CARRYING>                          47,726
<INVESTMENTS-MARKET>                            49,087
<LOANS>                                        119,897
<ALLOWANCE>                                      1,470
<TOTAL-ASSETS>                                 257,575
<DEPOSITS>                                     199,796
<SHORT-TERM>                                    15,820
<LIABILITIES-OTHER>                              2,588
<LONG-TERM>                                      4,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,517
<OTHER-SE>                                      33,854
<TOTAL-LIABILITIES-AND-EQUITY>                 257,575
<INTEREST-LOAN>                                  7,248
<INTEREST-INVEST>                                5,418
<INTEREST-OTHER>                                   118
<INTEREST-TOTAL>                                12,784
<INTEREST-DEPOSIT>                               5,976
<INTEREST-EXPENSE>                               6,297
<INTEREST-INCOME-NET>                            6,487
<LOAN-LOSSES>                                      135
<SECURITIES-GAINS>                                  22
<EXPENSE-OTHER>                                  2,904
<INCOME-PRETAX>                                  4,137
<INCOME-PRE-EXTRAORDINARY>                       4,137
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,902
<EPS-PRIMARY>                                     5.43
<EPS-DILUTED>                                     5.42
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0
<LOANS-PAST>                                       168
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  5,847
<ALLOWANCE-OPEN>                                 1,314
<CHARGE-OFFS>                                       14
<RECOVERIES>                                        35
<ALLOWANCE-CLOSE>                                1,470
<ALLOWANCE-DOMESTIC>                             1,470
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>