<TABLE> <S> <C>

<ARTICLE> 9                                       
<CIK> 0000742279                                  
<NAME> Community Bankshares Incorporated          
       
<S>                            <C>                    <C>
<FISCAL-YEAR-END>              Dec-31-1995            Dec-31-1994
<PERIOD-END>                   Sep-30-1995            Dec-31-1994
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<ALLOWANCE>                         806195                 724891
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<DEPOSITS>                        78314041               68080194
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<COMMON>                           1725000                1710000
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<LOAN-LOSSES>                        81000                  66000
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<ALLOWANCE-DOMESTIC>                806195                 745027
<ALLOWANCE-FOREIGN>                      0                      0
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</TABLE>