<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF CNB HOLDINGS, INC. FOR THE NINE MONTH PERIOD FROM
JANUARY 1, 1998 THROUGH SEPTEMBER 30, 1998 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                         506,991
<INT-BEARING-DEPOSITS>                       7,766,979
<FED-FUNDS-SOLD>                             4,790,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  4,872,777
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      8,494,898
<ALLOWANCE>                                    127,000
<TOTAL-ASSETS>                              19,598,737
<DEPOSITS>                                   8,687,037
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                             43,451
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     1,235,000
<OTHER-SE>                                  10,170,283
<TOTAL-LIABILITIES-AND-EQUITY>              19,598,737
<INTEREST-LOAN>                                103,321
<INTEREST-INVEST>                              186,192
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                               289,513
<INTEREST-DEPOSIT>                              64,564
<INTEREST-EXPENSE>                               4,668
<INTEREST-INCOME-NET>                          220,281
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                487,236
<INCOME-PRETAX>                               (377,064)
<INCOME-PRE-EXTRAORDINARY>                    (377,064)
<EXTRAORDINARY>                                      0
<CHANGES>                                     (151,913)
<NET-INCOME>                                  (528,977)
<EPS-PRIMARY>                                     (.59)
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                    0
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>