<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF MURFREESBORO BANCORP FOR THE NINE MONTHS ENDED SEPTEMBER
30, 1998 AND IS QUALIFIED INITS 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-1-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                           1,270
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                22,536
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     18,089
<INVESTMENTS-CARRYING>                           5,894
<INVESTMENTS-MARKET>                             5,961
<LOANS>                                         32,246
<ALLOWANCE>                                        403
<TOTAL-ASSETS>                                  81,878
<DEPOSITS>                                      68,560
<SHORT-TERM>                                     4,650
<LIABILITIES-OTHER>                                296
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         9,068
<OTHER-SE>                                        (696)
<TOTAL-LIABILITIES-AND-EQUITY>                  81,878
<INTEREST-LOAN>                                  1,200
<INTEREST-INVEST>                                1,002
<INTEREST-OTHER>                                   188
<INTEREST-TOTAL>                                 2,390
<INTEREST-DEPOSIT>                               1,533
<INTEREST-EXPENSE>                               1,559
<INTEREST-INCOME-NET>                              831
<LOAN-LOSSES>                                      335
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,001
<INCOME-PRETAX>                                   (400)
<INCOME-PRE-EXTRAORDINARY>                        (400)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      (400)
<EPS-PRIMARY>                                    (0.44)
<EPS-DILUTED>                                    (0.44)
<YIELD-ACTUAL>                                    6.95
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                    68
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  403
<ALLOWANCE-DOMESTIC>                               403
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>