<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF MURFREESBORO BANCORP FOR THE QUARTER ENDED MARCH 31,
1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                           1,041
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 3,487
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     14,656
<INVESTMENTS-CARRYING>                           9,377
<INVESTMENTS-MARKET>                             9,357
<LOANS>                                         45,510
<ALLOWANCE>                                        569
<TOTAL-ASSETS>                                  77,795
<DEPOSITS>                                      65,672
<SHORT-TERM>                                     3,255
<LIABILITIES-OTHER>                                307
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         9,068
<OTHER-SE>                                        (507)
<TOTAL-LIABILITIES-AND-EQUITY>                  77,795
<INTEREST-LOAN>                                    846
<INTEREST-INVEST>                                  397
<INTEREST-OTHER>                                    30
<INTEREST-TOTAL>                                 1,273
<INTEREST-DEPOSIT>                                 671
<INTEREST-EXPENSE>                                 700
<INTEREST-INCOME-NET>                              573
<LOAN-LOSSES>                                       96
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    481
<INCOME-PRETAX>                                     74
<INCOME-PRE-EXTRAORDINARY>                          74
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                        53
<EPS-PRIMARY>                                     0.06
<EPS-DILUTED>                                     0.06
<YIELD-ACTUAL>                                    7.22
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   473
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  569
<ALLOWANCE-DOMESTIC>                               569
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>