<TABLE> <S> <C>


<ARTICLE>                     9
<LEGEND>
     This schedule contains summary financial information extracted from
     MNB Bancshares, Inc. 3/31/00 Form 10-Q and is qualified in its entirety
     by reference to such financial statements.
</LEGEND>
<CIK>                                           0000891284
<NAME>                                          MNB BANCSHARES, INC.
<MULTIPLIER>                                    1

<S>                                             <C>
<PERIOD-TYPE>                                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-END>                                   MAR-31-2000
<CASH>                                         2,688,113
<INT-BEARING-DEPOSITS>                         100,000
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    44,099,536
<INVESTMENTS-CARRYING>                         1,499,027
<INVESTMENTS-MARKET>                           1,497,000
<LOANS>                                        89,803,883
<ALLOWANCE>                                    1,264,348
<TOTAL-ASSETS>                                 143,252,345
<DEPOSITS>                                     113,780,895
<SHORT-TERM>                                   9,500,000
<LIABILITIES-OTHER>                            1,343,149
<LONG-TERM>                                    5,319,352
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       14,497
<OTHER-SE>                                     13,294,452
<TOTAL-LIABILITIES-AND-EQUITY>                 143,252,345
<INTEREST-LOAN>                                1,905,825
<INTEREST-INVEST>                              631,574
<INTEREST-OTHER>                               9,115
<INTEREST-TOTAL>                               2,546,514
<INTEREST-DEPOSIT>                             1,148,036
<INTEREST-EXPENSE>                             1,371,598
<INTEREST-INCOME-NET>                          1,174,916
<LOAN-LOSSES>                                  15,000
<SECURITIES-GAINS>                             0
<EXPENSE-OTHER>                                1,080,083
<INCOME-PRETAX>                                324,975
<INCOME-PRE-EXTRAORDINARY>                     220,711
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   220,711
<EPS-BASIC>                                    0.15
<EPS-DILUTED>                                  0.15
<YIELD-ACTUAL>                                 3.51
<LOANS-NON>                                    450,800
<LOANS-PAST>                                   0
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               1,248,758
<CHARGE-OFFS>                                  1,370
<RECOVERIES>                                   1,960
<ALLOWANCE-CLOSE>                              1,264,348
<ALLOWANCE-DOMESTIC>                           945,480
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        318,868


</TABLE>