<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF MURFREESBORO BANCORP FOR THE YEAR ENDED DECEMBER 31,
1997 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               JUN-30-1998
<CASH>                                             931
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 1,921
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     21,266
<INVESTMENTS-CARRYING>                           4,296
<INVESTMENTS-MARKET>                             4,318
<LOANS>                                         23,740
<ALLOWANCE>                                        297
<TOTAL-ASSETS>                                  54,003
<DEPOSITS>                                      45,390
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                233
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         9,068
<OTHER-SE>                                        (688)
<TOTAL-LIABILITIES-AND-EQUITY>                  54,003
<INTEREST-LOAN>                                    613
<INTEREST-INVEST>                                  628
<INTEREST-OTHER>                                   108
<INTEREST-TOTAL>                                 1,349
<INTEREST-DEPOSIT>                                 862
<INTEREST-EXPENSE>                                 864
<INTEREST-INCOME-NET>                              485
<LOAN-LOSSES>                                      297
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    620
<INCOME-PRETAX>                                   (319)
<INCOME-PRE-EXTRAORDINARY>                        (319)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      (319)
<EPS-PRIMARY>                                    (0.36)
<EPS-DILUTED>                                    (0.36)
<YIELD-ACTUAL>                                    6.89
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                    68
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  297
<ALLOWANCE-DOMESTIC>                               297
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>