UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                    FORM 10-Q

(Mark  One)

{  X  }   Quarterly  Report Under Section 13 or 15(d) of the Securities Exchange
          Act  of  1934  For  the  Quarterly  Period  Ended June 30, 2000 or

{     }   Transition  Report  Pursuant to Section 13 or 15(d) of the Securities
          Exchange  Act  of  1934  For  the Transition period from___________
          To  ___________

Commission  File  Number:  0-23605


                              CAVALRY BANCORP, INC.
                              ---------------------
             (exact name of registrant as specified in its charter)


            Tennessee                                             62-1721072
--------------------------------                             -----------------
(State  or  other  jurisdiction                              (I.R.S.  Employer
 of  incorporationor  organization)                              I.D.  Number)

114 West College Street, Murfreesboro, Tennessee                      37130
------------------------------------------------                  --------------
 (Address  of  principal  executive  offices)                      (Zip  Code)


                                 (615) 893-1234
                          -----------------------------
               Registrant's telephone number, including area code

Indicate by check mark whether the registrant (1) has filed all reports required
to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during
the  preceding  12  months  (or  for such shorter period that the registrant was
required to file such reports), and has been subject to such filing requirements
for  the  past  90  days.

                           Yes  X                No
                               ---                 -----


Indicate  the  number  of  shares outstanding of each of the issuer's classes of
common  stock,  as  of  the  latest  practicable  date.

Common  Stock  Issued  and  Outstanding:  7,104,801  as  of  August  10,  2000.

<PAGE>



                              CAVALRY BANCORP, INC.

                                Table of Contents

Part  I   Financial  Information                                          Page

Item  1.  Financial  Statements

          Consolidated Balance Sheets at June 30, 2000 (unaudited)
          and  December  31,  1999                                            1

          Consolidated  Statements  of  Income  (unaudited)  for  the
          Three Month and Six Month Periods Ended June 30, 2000 and 1999      2

          Consolidated Statements of Comprehensive Income (unaudited) for
          The Three and Six Month Periods Ended June 30, 2000 and 1999        3

          Consolidated Statements of Cash Flows (unaudited) for the
          Six  Month Periods Ended June 30, 2000 and 1999                     4

          Notes  to  Consolidated  Financial  Statements  (unaudited)       5-6

Item  2.  Management's  Discussion  and  Analysis  of  Financial
          Condition  and  Results  of  Operations                          7-12

Item 3.   Quantitative and Qualitative Disclosures About Market Risk      12-13

Part II   Other Information                                                  14

Signatures                                                                   15

<PAGE>


PART  I.  Financial Information

ITEM  1.                 FINANCIAL  STATEMENTS

<TABLE>
<CAPTION>


                             CAVALRY  BANCORP,  INC.
                           CONSOLIDATED BALANCE SHEETS
                 JUNE 30, 2000 (UNAUDITED) AND DECEMBER 31, 1999
                             (DOLLARS IN THOUSANDS)

                                                     June 30,   December 31,
Assets                                                2000          1999
-----------------------------------------------    -----------   ----------
                                                   (Unaudited)
<S>                                                <C>           <C>
Cash. . . . . . . . . . . . . . . . . . . . . . .  $    18,242   $ 20,043
Interest-bearing deposits with
  other financial institutions. . . . . . . . . .       21,669     74,379
                                                   ------------  ---------
Cash and cash equivalents . . . . . . . . . . . .       39,911     94,422
Investment securities available-for-sale
  at fair value (amortized cost:. . . . . . . . .       23,938      6,964
  $23,971 and $6,968 at June 30, 2000
  and December 31, 1999, respectively)
Mortgage-backed securities held
  to maturity - at
  amortized cost (fair value: . . . . . . . . . .          624        651
  $616 and $645 at June 30, 2000
  and December 31, 1999, respectively)
Loans held for sale, at estimated fair value. . .        4,399      4,485
Loans receivable, net . . . . . . . . . . . . . .      277,087    272,211
Accrued interest receivable . . . . . . . . . . .        2,076      1,784
Office properties and equipment, net. . . . . . .       14,029      9,892
Federal Home Loan Bank of Cincinnati
  stock - at cost . . . . . . . . . . . . . . . .        1,946      1,878
Real estate and other assets acquired
  in settlement of loans. . . . . . . . . . . . .          136        166
Other assets. . . . . . . . . . . . . . . . . . .        2,907      2,966
                                                   ------------  ---------
Total assets. . . . . . . . . . . . . . . . . . .  $   367,053   $395,419
                                                   ============  =========

 Liabilities and Equity
-------------------------------------------------
Liabilities:
Deposits. . . . . . . . . . . . . . . . . . . . .  $   322,682   $308,929
Borrowings. . . . . . . . . . . . . . . . . . . .        1,605     45,000
Accounts payable and other liabilities. . . . . .        1,660      2,725
                                                   ------------  ---------
               Total liabilities. . . . . . . . .      325,947    356,654
                                                   ------------  ---------
Shareholders' Equity:
Preferred stock, no par value
  Authorized- 250,000 shares; none
    issued or outstanding at
    June 30, 2000 and December 31, 1999 . . . . .            -          -
Common stock, no par value
  Authorized- 49,750,000 shares; issued
    and outstanding 7,104,801 at
    June 30, 2000 and December 31, 1999 . . . . .       11,276     10,972
Retained earnings . . . . . . . . . . . . . . . .       38,422     37,194
Unearned restricted stock . . . . . . . . . . . .       (3,874)    (4,380)
Unallocated ESOP Shares . . . . . . . . . . . . .       (4,688)    (5,019)
Accumulated other comprehensive loss, net of tax.          (30)        (2)
                                                   ------------  ---------

Total Equity. . . . . . . . . . . . . . . . . . .       41,106     38,765
                                                   ------------  ---------
Total Liabilities and Equity. . . . . . . . . . .  $   367,053   $395,419
                                                   ============  =========
</TABLE>

Note:  The  balance sheet at December 31, 1999 has been derived from the audited
financial  statements  at  that date but does not include all of the information
and  footnotes required by generally accepted accounting principles for complete
financial  statements.

See  accompanying  notes  to  consolidated  financial  statements.

                                        1
<PAGE>

<TABLE>
<CAPTION>


                              CAVALRY BANCORP, INC.
                        CONSOLIDATED STATEMENTS OF INCOME
                  (DOLLARS IN THOUSANDS, EXCEPT PER SHARE DATA)
                                   (UNAUDITED)

                                      Three Months Ended        Six Months Ended
                                            June  30,                June  30,
                                         2000        1999        2000        1999
                                         ----        ----        ----        ----
<S>                                <C>         <C>         <C>         <C>
Interest and dividend income:
 Loans. . . . . . . . . . . . . .  $    6,420  $    5,789  $   12,548  $   11,432
 Investment securities. . . . . .         404         555         696       1,225
 Deposits with other
   financial institutions . . . .         365         429         914         920
 Mortgage-backed securities
    held to maturity. . . . . . .          11          12          21          21
                                   ----------  ----------  ----------  ----------
       Total interest and
            dividend income . . .       7,200       6,785      14,179      13,598
                                   ----------  ----------  ----------  ----------
Interest expense - deposits . . .       3,085       2,362       6,063       4,699
Interest expense - borrowings . .          15           -         145           -
                                   ----------  ----------  ----------  ----------
      Total interest expense. . .       3,100       2,362       6,208       4,699
                                   ----------  ----------  ----------  ----------
 Net interest income. . . . . . .       4,100       4,423       7,971       8,899
 Provision for loan losses. . . .          67         423         141         512
                                   ----------  ----------  ----------  ----------
  Net interest income after
    provision for loan losses . .       4,033       4,000       7,830       8,387
                                   ----------  ----------  ----------  ----------
Non-interest income:
  Servicing income. . . . . . . .          67          68         131         139
  Gain on sale of loans, net. . .         442         465         756         906
  Gain on sale of office
     properties and equipment . .           3           -          18           -
  Deposit servicing fees
     and charges. . . . . . . . .         618         481       1,179         905
  Trust service fees. . . . . . .         267         233         534         438
  Other operating income. . . . .          56          59         179         136
                                   ----------  ----------  ----------  ----------
    Total non-interest income . .       1,453       1,306       2,797       2,524
                                   ----------  ----------  ----------  ----------
 Non-interest expenses:
   Compensation, payroll taxes
     and fringe benefits. . . . .       2,268       2,312       4,606       4,380
   Occupancy expense. . . . . . .         193         179         349         347
   Supplies, communications
      and other office expenses .         189         219         400         450
   Federal insurance premiums . .          16          38          31          75
   Advertising expense. . . . . .          62         114         152         181
   Equipment and service
      bureau expense. . . . . . .         526         589       1,024       1,173
   Other operating expense. . . .         350         364         728         723
                                   ----------  ----------  ----------  ----------
      Total non-interest expenses       3,604       3,815       7,290       7,329
                                   ----------  ----------  ----------  ----------
  Earnings before income
      tax expense . . . . . . . .       1,882       1,491       3,337       3,582
  Income tax expense. . . . . . .         771         626       1,398       1,489
                                   ----------  ----------  ----------  ----------
     Net income . . . . . . . . .  $    1,111  $      865  $    1,939  $    2,093
                                   ==========  ==========  ==========  ==========

Basic earnings per share. . . . .  $     0.18  $     0.13  $     0.31  $     0.31
                                   ==========  ==========  ==========  ==========

Weighted average
   shares outstanding . . . . . .   6,320,328   6,781,294   6,330,656   6,694,893
                                   ==========  ==========  ==========  ==========
</TABLE>

Dividends  declared  $0.05  per  share payable July 14, 2000 for shareholders of
record  date  June  30,  2000.

See  accompanying  notes  to  consolidated  financial  statements.


                                        2
<PAGE>


<TABLE>
<CAPTION>


                              CAVALRY BANCORP, INC.
                 CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME
                             (DOLLARS IN THOUSANDS)
                                   (UNAUDITED)

                                    Three Months Ended  Six Months Ended
                                           June  30,      June  30,
                                         2000    1999    2000     1999
                                         ----    ----    ----     ----
<S>                                     <C>      <C>    <C>      <C>

Net income . . . . . . . . . . . . . .  $1,111   $865   $1,939   $2,093
Other comprehensive income, net of tax
Unrealized losses on securities
 available for sale. . . . . . . . . .     ( 2)   (31)     (28)     (92)
                                        -------  -----  -------  -------

Comprehensive income . . . . . . . . .  $1,109   $834   $1,911   $2,001
                                        =======  =====  =======  =======
</TABLE>



See  accompanying  notes  to  consolidated  financial  statements.

                                        3
<PAGE>
<TABLE>
<CAPTION>

                              CAVALRY BANCORP, INC.
                      CONSOLIDATED STATEMENTS OF CASH FLOWS
                     SIX MONTHS ENDED JUNE 30, 2000 AND 1999
                             (DOLLARS IN THOUSANDS)
                                   (UNAUDITED)

                                                              2000        1999
                                                              ----        ----
<S>                                                        <C>        <C>
Operating activities:
        Net cash provided by operating activities . . . .  $  1,619   $  7,684
                                                           ---------  ---------
Investing activities:
   Increase in loans receivable, net. . . . . . . . . . .    (4,793)   (29,257)
   Principal payments on mortgage
        backed securities held to maturity. . . . . . . .        26        171
  Proceeds from sales of office properties and equipment.        18          -
  Purchase of investment securities
     available for sale . . . . . . . . . . . . . . . . .   (23,854)   (26,083)
  Proceeds from maturities of investment securities . . .     7,000     35,500
  Purchase of office properties and equipment . . . . . .    (4,571)      (454)
                                                           ---------  ---------
          Net cash used in investing activities . . . . .   (26,174)   (20,123)
                                                           ---------  ---------

Financing activities:
  Net increase in deposits. . . . . . . . . . . . . . . .    13,753     16,324
  Dividends paid. . . . . . . . . . . . . . . . . . . . .      (710)      (358)
  Net decrease in borrowings. . . . . . . . . . . . . . .   (43,395)         -
  Stock repurchase and retirement . . . . . . . . . . . .         -     (8,865)
Payments by borrowers for
  property taxes and insurance. . . . . . . . . . . . . .       396        351
                                                           ---------  ---------
         Net cash provided by (used in)
          financing activities. . . . . . . . . . . . . .   (29,956)     7,452
                                                           ---------  ---------
Decrease in cash and cash equivalents . . . . . . . . . .   (54,511)    (4,987)
Cash and equivalents, beginning of period . . . . . . . .    94,422     53,188
                                                           ---------  ---------

 Cash and cash equivalents, end of period . . . . . . . .  $ 39,911   $ 48,201
                                                           ---------  ---------

Supplement Disclosures of Cash
   Flow Information:
Payments during the period for:
Interest. . . . . . . . . . . . . . . . . . . . . . . . .  $  6,230   $  4,679
                                                           =========  =========
Income taxes. . . . . . . . . . . . . . . . . . . . . . .  $  1,791   $  2,254
                                                           =========  =========

Supplemental Disclosures of Noncash
  Investing and Financing Activities:

 Interest credited to deposits. . . . . . . . . . . . . .  $  2,174   $  1,958
                                                           =========  =========
 Increase in deferred tax asset related
   to unrealized loss on investments. . . . . . . . . . .  $     10   $     54
                                                           =========  =========
Net unrealized losses on investment
    securities available for sale . . . . . . . . . . . .  $    (38)  $   (146)
                                                           =========  =========
Dividends declared and payable. . . . . . . . . . . . . .  $    355   $    355
                                                           =========  =========
</TABLE>

See  accompanying  notes  to  consolidated  financial  statements.

                                        4
<PAGE>



                              Cavalry Bancorp, Inc.
                   Notes to Consolidated Financial Statements

1.     Basis  of  Presentation

Cavalry  Bancorp,  Inc. (the "Company"), a Tennessee corporation, is the holding
company  for  Cavalry  Banking (the "Bank") which is a federally chartered stock
savings  bank.

The  accompanying  consolidated  financial  statements  of the Company have been
prepared in accordance with Instructions to Form 10-Q.  Accordingly, they do not
include  all  of  the  information  and footnotes required by generally accepted
accounting  principles  for  complete  financial  statements.  However,  such
information  reflects  all  adjustments  (consisting  solely of normal recurring
adjustments)  which  are,  in  the  opinion  of management, necessary for a fair
statement  of  results  for  the  interim  periods.

The  results of operations for the three and six months ended June 30, 2000, are
not  necessarily  indicative  of  the results to be expected for the year ending
December  31,  2000.  The  consolidated  financial  statements and notes thereto
should  be  read  in conjunction with the audited financial statements and notes
thereto  for  the  year  ended  December  31,  1999.

2     Earnings  Per  Share

Earnings per share has been computed for the three and six months ended June 30,
2000,  based  upon  weighted  average common shares outstanding of 6,320,328 and
6,330,656  respectively.  Earnings per share has been computed for the three and
six  months  ended  June  30,  1999,  based  upon weighted average common shares
outstanding  of  6,781,294  and  6,694,893  respectively.  The  Company  had  no
dilutive  securities,  therefore diluted earnings per share is the same as basic
earnings  per  share.

3.     Business  Segments

The  Company  and  its subsidiary provide community oriented banking services to
individuals  and businesses primarily within Rutherford, Bedford, and Williamson
counties  in  Middle  Tennessee.

The  Company's  segments  are  identified  by the products and services offered,
principally  distinguished  as  banking,  trust and mortgage banking operations.
Approximately  30%  of  mortgage  banking  revenues  are  derived each year from
transactions  with  agencies of the U.S. government.  In addition, one unrelated
entity  purchased  approximately  50%  of  mortgages  sold  in  2000  and  1999.

Segment  information  is  derived from the internal reporting system utilized by
management  with  accounting  policies  and  procedures  consistent  with  those
described  in  Note  1  of  the  1999  Annual  Report  to Shareholders.  Segment
performance  is  evaluated  by the Company based on profit or loss before income
taxes.  Revenue,  expense  and  asset  levels  reflect  those  which  can  be
specifically  identified  and  those  assigned  based  on  internally  developed
allocation  methods.  These  methods  have  been  consistently  applied.

                                        5
<PAGE>


<TABLE>
<CAPTION>
<S>                              <C>        <C>       <C>     <C>
                                           Mortgage
For the quarter ended            Banking    Banking   Trust   Consolidated
June 30, 2000
Interest revenue. . . . . . . .  $   7,200  $      -  $    -  $       7,200
Other income-external customers        674        67     267          1,008
Interest expense. . . . . . . .      3,100         -       -          3,100
Depreciation and amortization .        159        29       8            196
Other significant items:
   Provision for loan losses. .         67         -       -             67
   Gain on sales of assets. . .          3       442       -            445
Segment profit. . . . . . . . .      1,813         -      69          1,882
Segment assets. . . . . . . . .    362,129     4,521     403        367,053
</TABLE>

<TABLE>
<CAPTION>
<S>                              <C>        <C>        <C>     <C>
                                           Mortgage
For the quarter ended            Banking    Banking    Trust   Consolidated
June 30, 1999
Interest revenue. . . . . . . .  $   6,785  $      -   $    -  $       6,785
Other income-external customers        540        68      233            841
Interest expense. . . . . . . .      2,362         -        -          2,362
Depreciation and amortization .        239        50       10            299
Other significant items:
   Provision for loan losses. .        423         -        -            423
   Gain on sales of assets. . .          -       465        -            465
Segment profit. . . . . . . . .      1,535      (103)      59          1,491
Segment assets. . . . . . . . .    367,525     6,415      187        374,127
</TABLE>

<TABLE>
<CAPTION>
<S>                              <C>        <C>        <C>     <C>
                                           Mortgage
For the six months ended          Banking    Banking    Trust   Consolidated
June 30, 2000
Interest revenue. . . . . . . .  $  14,179  $      -   $    -  $      14,179
Other income-external customers      1,358       131      534          2,023
Interest expense. . . . . . . .      6,208         -        -          6,208
Depreciation and amortization .        331        62       17            410
Other significant items:
    Provision for loan losses .        141         -        -            141
    Gain on sales of assets . .         18       756        -            774
Segment profit. . . . . . . . .      3,253       (52)     136          3,337
Segment assets. . . . . . . . .    362,129     4,521      403        367,053
</TABLE>

<TABLE>
<CAPTION>
<S>                              <C>        <C>       <C>     <C>
                                           Mortgage
For the six months ended         Banking    Banking   Trust   Consolidated
June 30, 1999
Interest revenue. . . . . . . .  $  13,598  $      -  $    -  $      13,598
Other income-external customers      1,041       139     438          1,618
Interest expense. . . . . . . .      4,699         -       -          4,699
Depreciation and amortization .        422       102      21            545
Other significant items:
     Provision for loan losses.        512         -       -            512
    Gain on sales of assets . .          -       906       -            906
Segment profit. . . . . . . . .      3,389        92     101          3,582
Segment assets. . . . . . . . .    367,525     6,415     187        374,127
</TABLE>


                                        6
<PAGE>


ITEM  2. Management's Discussion and Analysis of Financial Condition and Results
         of Operations

Private Securities Litigation Reform Act Safe Harbor Statement

This  Quarterly Report contains forward-looking statements within the meaning of
the  federal securities laws.  These statements are not historical facts, rather
statements  based  on  the Company's current expectations regarding its business
strategies  and  their  intended  results  and  its  future  performance.
Forward-looking  statements are preceded by terms such as "expects," "believes,"
"anticipates,"  "intends,"  and  similar  expressions.

Forward-looking  statements  are not guarantees of future performance.  Numerous
risks  and  uncertainties could cause the Company's actual results, performance,
and  achievements  to be materially different from those expressed or implied by
the  forward-looking  statements.  Factors that may cause or contribute to these
differences  include, without limitation, general economic conditions, including
changes  in market interest rates and changes in monetary and fiscal policies of
the  federal  government;  legislative and regulatory changes; and other factors
disclosed periodically in the Company's filings with the Securities and Exchange
Commission.

Because  of  the risks and uncertainties inherent in forward-looking statements,
readers  are  cautioned not to place undue reliance on them, whether included in
this report or made elsewhere from time to time by the Company or on its behalf.
The  Company  assumes  no  obligation  to update any forward-looking statements.

Comparison of Financial Condition at June 30, 2000 and December 31, 1999

Total assets were $367.1 million at June 30, 2000, compared to $395.4 million at
December  31,  1999,  a decrease of $28.3 million or 7.2%.  This decrease was a
result  of  cash  being  used  to  reduce  borrowings from $45.0 million to $1.6
million.  This  decrease was partially offset by an increase in investments from
increased  deposits.  Cash  and cash equivalents decreased from $94.4 million at
December  31,  1999,  to  $39.9  million  at  June  30, 2000.  This decrease was
primarily  a  result  of  cash  used  to  retire  $45.0  million  in borrowings.
Investments available for sale increased from $7.0 million at December 31, 1999,
to  $23.9  million  at  June 30, 2000, as a result of increased deposits.  Loans
receivable  net increased $4.9 million from $272.2 million at December 31, 1999,
to  $277.1  million  at  June  30, 2000.  The Bank continues to try to serve the
needs  of  the  community  by  increasing deposits and using those funds to make
loans  in  the  surrounding  community.

                                        7
<PAGE>


Deposit  accounts  increased  $13.8  million from $308.9 million at December 31,
1999,  to  $322.7  million  at June 30, 2000.  Certificates of deposit increased
$1.7  million from $151.0 million at December 31, 1999 to $152.7 million at June
30,  2000.  Savings  deposits  increased  $1.3  million  from  $13.0  million at
December  31,  1999  to  $14.3  million at June 30, 2000.  Money market accounts
increased  $3.5 million from $63.8 million at December 31, 1999 to $67.3 million
at  June  30,  2000.  Transaction  accounts  increased  $7.6  million from $34.7
million at December 31, 1999 to $42.3 million at June 30, 2000.  These increases
were  primarily  a  result  of  an  ongoing effort to raise the deposit base for
Cavalry  Banking.

Stockholders'  equity  increased  by $2.3 million from $38.8 million at December
31,  1999,  to $41.1 million at June 30, 2000, as a result of net income of $1.9
million  for  the  six  months  ended  June  30, 2000, release of ESOP shares of
$635,000  and  release  of Management Recognition Plan (MRP) shares of $505,000.
These increases were offset by dividends declared of $710,000 and an increase in
unrealized  losses  on  available-for-sale  securities  of  $28,000.

Nonperforming assets were $499,000 at December 31, 1999 and $720,000 at June 30,
2000.

Comparison of Operating Results for the Three Months Ended June 30, 2000 and
  June 30, 1999.

Net  Income.  Net  income  increased  to $1.1 million for the three months ended
June 30, 2000, from $865,000 for the three months ended June 30, 1999, primarily
as  a result of a higher interest income, increased non - interest income, lower
non  - interest expense, and a lower provision for loan losses.  These increases
were  partially  offset  by an increase in interest expense.  The decline in net
interest  income  was  primarily  a  result of the impact of the decline in cash
equivalents  used  to fund the special cash distribution of $53.3 million, which
was  paid  in  December  1999.

Net  Interest  Income.  Net interest income decreased $323,000 from $4.4 million
for  the  three months ended June 30, 1999, to $4.1 million for the three months
ended June 30, 2000.  This decline was a result of earning assets being utilized
to  fund the special cash distribution paid in December 1999.  This distribution
resulted in a decline in the ratio of average interest-earning assets to average
interest-bearing  liabilities from 144.19% for the three month period ended June
30,  1999,  to  117.18%  for  the  three  months  ended  June  30,  2000.

Interest  income increased 5.88% to $7.2 million for the three months ended June
30,  2000,  from  $6.8  million  for the same period in 1999.  Interest on loans
increased  from  $5.8  million for the three months ended June 30, 1999, to $6.4
million  for  the  same  period  in  2000.  This  was  a result of average loans
outstanding  increasing  from $264.8 million for the three months ended June 30,
1999,  to  $280.4  million  for  the  same  period  in  2000.  The average yield
increased  from 8.75% for the three months ended June 30, 1999, to 9.16% for the
same  period  in 2000.  This increase in yield was a result of increased lending
rates.  Income  on  all  other  investments  consisting  of  mortgage  backed
securities,  investments,  FHLB  stock, bank deposits and federal funds declined
from $996,000 for the three months ended June 30, 1999, to $780,000 for the same
period  in 2000.  Average investments decreased from $80.8 million for the three
months  ended  June 30, 1999, to $49.0 million for the same period in 2000.  The
average  yield increased from 4.92% for the three months ended June 30, 1999, to
6.37% for the same period in 2000.  This increase in rate was a result of rising
interest rates  while the decline in volume was a result of funds used to pay
the special cash distribution in December 1999.

                                        8
<PAGE>


Interest expense increased from $2.4 million for the three months ended June 30,
1999,  to  $3.1 million for the same period in 2000.  Average deposits increased
from  $239.7 million for the three months ended June 30, 1999, to $279.5 million
for  the  same period in 2000.  This increase was a result of continuing efforts
to  increase  market  share of deposits.  The average cost of deposits increased
from  3.95%  for  the  three  months  ended June 30, 1999, to 4.43% for the same
period  in  2000.  Average  borrowings  were  $1.6 million at an average cost of
3.74%  for  the  three  months  ended  June  30, 2000.  There were no borrowings
outstanding  during  the  three  months  ended June 30, 1999.  The total cost of
funds  increased  from  3.95% for the three months ended June 30, 1999, to 4.42%
for the three months ended June 30, 2000.  This increase in cost was a result of
higher  interest  rates  during  the  quarter  ended  June  30,  2000.  Average
interest-bearing  liabilities increased from $239.7 million for the three months
ended  June  30,  1999, to $281.1 million for the same period in 2000.  Interest
rate  spread  increased  from  3.90% for the three months ended June 30 1999, to
4.32%  for  the  same  period  in 2000.  This increase in spread was a result of
yields on earning assets increasing faster than the cost of funds.  Net interest
margin  decreased from 5.12 % for the three months ended June 30, 1999, to 4.98%
for  the  same  period  in  2000.  This decrease was a result of average earning
assets  declining  and  average  costing  liabilities  increasing.

Provision for Loan Losses.  Provision for loan losses are charges to earnings to
bring the total allowance for loan losses to a level considered by management as
adequate  to  provide for estimated loan losses based on management's evaluation
of  the  collectibility  of  the  loan  portfolio,  including  the nature of the
portfolio, credit concentrations, trends in historical loss experience, specific
impaired  loans and economic conditions.  Management also considers the level of
problem  assets  giving greater weight to the level of classified assets than to
the  level  of  nonperforming  assets because classified assets include not only
nonperforming  assets  but  also  performing  assets  that otherwise exhibit, in
management's  judgement,  potential  credit  weaknesses.

The  provision  for loan losses was $67,000 for the three months ended June 30,
2000, compared to $423,000 for the same period in 1999.  The decrease in the
provision was a result of a smaller increase in total loans outstanding between
the two periods.  Management  deemed  the allowance for loan losses adequate at
June 30, 2000.

Noninterest  Income.  Noninterest  income  increased  from  $1.3 million for the
three  months  ended June 30, 1999, to $1.5 million for the same period in 2000.
In  the  mortgage  banking  segment  net  gain  on  sale of loans decreased from
$465,000  for  the  three  months  ended June 30, 1999, to $442,000 for the same
period  in  2000.  This  decrease  was a result of lower sales volume during the
three  months  ended  June  30, 2000, compared to the same period in 1999.  Loan
servicing  fees  also  declined slightly from $68,000 for the three months ended
June  30,  1999, to $67,000 for the same period in 2000.  In the banking segment
deposit  fees  and other operating incomes increased from $540,000 for the three
months  ended  June  30,  1999,  to  $674,000 for the same period in 2000.  This
increase was primarily a result of growth in the number of transaction accounts.
In  the  trust  segment, trust fees increased from $233,000 for the three months
ended  June  30,  1999,  to  $267,000 for the same period in 2000 as a result of
increased  fees  and  more  trust  assets  under  management.

Noninterest  Expense.  Noninterest expense was $3.6 million for the three months
ended  June  30,  2000,  compared  to  $3.8 million for the same period in 1999.
Compensation  and  other employee benefits remained constant at $2.3 million for
the  three  months  ended  June  30,  1999  and 2000.  The increase in occupancy
expense  was primarily a result of repairs and maintenance on office facilities.
The  decreases  in other expenses were primarily due to a general slowing of the
economy  and  an  effort  to  reduce  overhead.

Income  taxes.  The provision for income taxes was $771,000 for the three months
ended  June  30,  2000,  compared to $626,000 for the same period in 1999.  This
increase  was  primarily  a  result  of  higher  income  before  taxes.


                                        9
<PAGE>

Comparison of Operating Results for the Six Months Ended June 30, 2000 and
  June 30, 1999.

Net  Income.  Net income decreased to $1.9 million for the six months ended June
30,  2000,  from $ 2.1 million for the six months ended June 30, 1999, primarily
as  a  result  of  a  higher  interest expense and a larger provision for income
taxes.  These  increases  in  expenses  were  partially offset by an increase in
interest  and  non  -  interest  income  and  a lower provision for loan losses.

Net  Interest  Income.  Net  interest income decreased from $8.9 million for the
six  months  ended  June 30, 1999, to $8.0 million for the six months ended June
30,  2000.  This  decline  was a result of earning assets being utilized to fund
the special cash distribution paid in December 1999.  This distribution resulted
in  a  decline  in  the  ratio  of  average  interest-earning  assets to average
interest-bearing  liabilities  from  144.49%  for  the six months ended June 30,
1999,  to  116.79%  for  the  six  months  ended  June  30,  2000.

Interest  income  increased 4.41% to $14.2 million for the six months ended June
30,  2000,  from  $13.6  million for the same period in 1999.  Interest on loans
increased  from  $11.4  million for the six months ended June 30, 1999, to $12.5
million  for  the  same  period  in  2000.  This  was  a result of average loans
outstanding  increasing  from  $257.1  million for the six months ended June 30,
1999,  to  $277.6  million  for  the  same  period  in  2000.  The average yield
increased  from  8.89%  for the six months ended June 30, 1999, to 9.04% for the
same  period  in 2000.  This increase in yield was a result of increased lending
rates.  Income  on  all  other  investments  consisting  of  mortgage  backed
securities,  investments,  FHLB  stock, bank deposits and federal funds declined
from $2.2 million for the six months ended June 30, 1999, to $1.6 million
for  the  same period in 2000.  Average investments decreased from $84.6 million
for  the six months ended June 30, 1999, to $52.7 million for the same period in
2000.  The  average yield increased from 5.12% for the six months ended June 30,
1999,  to 6.19% for the same period in 2000.  This increase in rate was a result
of rising interest rates while the decline in volume was a result of funds used
to pay the  special  cash  distribution  in  December  1999.

Interest  expense  increased from $4.7 million for the six months ended June 30,
1999,  to  $6.2 million for the same period in 2000.  Average deposits increased
from  $236.5  million  for the six months ended June 30, 1999, to $277.6 million
for  the  same period in 2000.  This increase was a result of continuing efforts
to  increase  market  share of deposits.  The average cost of deposits increased
from  4.01% for the six months ended June 30, 1999, to 4.39% for the same period
in  2000.  Average  borrowings were $5.2 million at an average cost of 5.57% for
the six months ended June 30, 2000.  There were no borrowings outstanding during
the  six  months  ended  June  30, 1999.  The total cost of funds increased from
4.01%  for the six months ended June 30, 1999, to 4.41% for the six months ended
June  30,  2000.  This  increase  in  cost was a result of higher interest rates
during the six months ended June 30, 2000.  Average interest-bearing liabilities
increased  from $236.5 million for the six months ended June 30, 1999, to $282.8
million  for the same period in 2000.  Interest rate spread increased from 3.95%
for  the  six  months  ended June 30 1999, to 4.18% for the same period in 2000.
This  increase  in  spread  was  a result of yields on earning assets increasing
faster than the cost of funds.  Net interest margin decreased from 5.21% for the
six  months  ended  June  30,  1999, to 4.83% for the same period in 2000.  This
decrease  was  a  result of average earning assets declining and average costing
liabilities  increasing.

                                       10
<PAGE>


Provision for Loan Losses.  Provision for loan losses are charges to earnings to
bring the total allowance for loan losses to a level considered by management as
adequate  to  provide for estimated loan losses based on management's evaluation
of  the  collectibility  of  the  loan  portfolio,  including  the nature of the
portfolio, credit concentrations, trends in historical loss experience, specific
impaired  loans and economic conditions.  Management also considers the level of
problem  assets  giving greater weight to the level of classified assets than to
the  level  of  nonperforming  assets because classified assets include not only
nonperforming  assets  but  also  performing  assets  that otherwise exhibit, in
management's  judgment,  potential  credit  weaknesses.

The  provision for loan losses was $141,000 for the period ending June 30, 2000,
compared to $512,000 for the same period in 1999.  The decrease in the provision
was  a  result  of a smaller increase in total loans outstanding between the two
periods.  Management  deemed  the allowance for loan losses adequate at June 30,
2000.

Noninterest  Income.  Noninterest income increased from $2.5 million for the six
months ended June 30, 1999, to $2.8 million for the same period in 2000.  In the
mortgage  banking  segment net gain on sale of loans decreased from $906,000 for
the  six  months  ended  June  30,1999, to $756,000 for the same period in 2000.
This  decrease  was  a  result of lower sales volume during the six months ended
June  30,  2000,  compared to the same period in 1999.  Loan servicing fees also
declined  slightly  from  $139,000  for  the  six months ended June 30, 1999, to
$131,000  for the same period in 2000.  In the banking segment, deposit fees and
other  operating  incomes  increased  from $1.0 million for the six months ended
June  30,  1999, to $1.4 million for the same period in 2000.  This increase was
primarily  a  result  of  growth  in the number of transaction accounts.  In the
trust  segment, trust fees increased from $438,000 for the six months ended June
30,  1999, to $534,000 for the same period in 2000 as a result of increased fees
and  more  trust  assets  under  management.

Noninterest  Expense.  Noninterest  expense  was $7.3 million for the six months
ended  June  30,  2000,  and  1999.  Compensation  and  other  employee benefits
increased  from  $4.4  million  for  the  six months ended June 30, 1999 to $4.6
million  for  the  same period in 2000.  This increase was primarily a result of
the  MRP stock incentive plan, which was approved at the annual meeting in April
1999.  Most  other  expenses  declined  for  the six months ended June 30, 2000,
compared  the  same  period  in  1999 as a result of slower lending activity and
efforts  to  control  expenses.

Income  taxes.  The  provision  for  income  taxes  was $1.4 million for the six
months ended June 30, 2000 compared to $1.5 million for the same period in 1999.
This  decrease  was  primarily  a  result  of  lower  income  before  taxes.

Liquidity  and  Capital  Resources
The Company's primary sources of funds are customer deposits, proceeds from loan
principal  and interest payments, sale of loans, maturing securities and Federal
Home  Loan  Bank  (FHLB) of Cincinnati advances.  While maturities and scheduled
amortization  of  loans  are  a  predictable  source of funds, deposit flows and
mortgage  prepayments  are  influenced  greatly by general interest rates, other
economic  conditions,  and  competition.  Regulations  of  the  Office of Thrift
Supervision  ("OTS"), the Bank's primary regulator, require the Bank to maintain
an  adequate  level  of  liquidity  to  ensure  the  availability  of sufficient
liquidity  to  fund  loan originations, deposit withdrawals and to satisfy other
financial  commitments.  Currently, the OTS regulatory liquidity for the Bank is
the  maintenance of an average daily balance of liquid assets (cash and eligible
investments)  equal  to  at  least  4%  of  the  daily balance of net withdrawal
deposits  and  short-term  borrowings.  This liquidity requirement is subject to
periodic  change.  The  Company  and the Bank generally maintain sufficient cash
and  short-term  investments  to  meet  short-term liquidity needs.  At June 30,
2000, cash and cash equivalents totaled $39.9 million or 10.87% of total assets,
and  investments available -for -sale totaling $23.9 million.  At June 30, 2000,
the  Bank also maintained, but did not draw upon, a line of credit with the FHLB
of  Cincinnati  in  the  amount  of  $10.0  million.

                                       11
<PAGE>

As  of  June  30,  2000,  The  Bank's  regulatory  capital  was in excess of all
applicable  regulatory requirements.  At June 30, 2000, under regulations of the
OTS, the Bank's actual tangible, core and risk-based capital ratios were 11.04%,
11.04%  and  12.97%,  respectively,  compared  to requirements of 1.5%, 3.0% and
8.0%,  respectively.

At  June 30, 2000, the Bank had loan commitments of approximately $40.8 million.
In addition, at June 30, 2000, the unused portion of lines of credit extended by
the Bank was approximately $8.3 million for consumer loans and $29.8 million for
commercial  loans.  Standby  letters  of  credit  and  financial  guarantees are
conditional  commitments  issued  by  the Bank to guarantee the performance of a
customer  to  a  third  party.  Those guarantees are primarily issued to support
public  and  private  borrowing  arrangements,  including commercial paper, bond
financing,  and  similar  transactions.  Most  guarantees extend from one to two
years.  The credit risk involved in issuing letters of credit is essentially the
same  as  that  involved in extending loan facilities to customers.  At June 30,
2000,  the  Bank  had  $10.1  million  of  letters  of  credit  outstanding.

Impact  of  Inflation  and  Changing  Prices

The  consolidated  financial  statements  of  the  Company  and  notes  thereto,
presented  elsewhere  herein,  have been prepared in accordance with GAAP, which
require the measurement of financial condition and operating results in terms of
historical  dollars  without considering the change in relative purchasing power
of  money  over  time due to inflation.  The impact of inflation is reflected in
the  increased  cost  of  the  Company's  operations.  Unlike  most  industrial
companies,  nearly  all the assets and liabilities of the Company are financial.
As  a  result, interest rates have a greater impact on the Company's performance
than  do  the  effects  of  general  levels of inflation.  Interest rates do not
necessarily  move  in  the same direction or to the same extent as the prices of
goods  and  services.

Item  3.  Quantitative  and  Qualitative  Disclosures  About  Market  Risk

The  Company's  interest  rate  sensitivity  is  monitored by management through
selected  interest rate risk measures produced internally and by the OTS.  Based
on  internal reviews, management does not believe that there has been a material
change  in  the  Company's  interest rate sensitivity from December 31, 1999, to
June  30,  2000.  However, the OTS results are not yet available for the quarter
ended  June  30,  2000.  All  methods  used to measure interest rate sensitivity
involve  the use of assumptions.  Management cannot predict what assumptions are
made  by  the OTS, which can vary from management's assumptions.  Therefore, the
results  of  the  OTS  calculations  can  differ  from  management's  internal
calculations.  The  Company's  interest  rate  sensitivity should be reviewed in
conjunction  with  the  financial  statements and notes thereto contained in the
Company's  Annual  Report  for  the  fiscal  year  ended  December  31,  1999.

The  following  table  presents  the Company's maturity gap at June 30, 2000 (In
thousands).

                                       12
<PAGE>

<TABLE>
<CAPTION>

                                         Six       After      After
                             Within     Months    One to      Three      Over
                               Six      To One     Three     to Five      Ten
                             Months      Year      Years      Years      Years       Total
                            ---------  --------  ---------  ---------  ----------  ---------
<S>                         <C>        <C>       <C>        <C>        <C>         <C>
Interest-earning
 assets:

   Loans receivable, net .  $ 56,627   $47,668   $ 56,264   $ 59,586   $  61,341   $281,486
   Mortgage-backed
    securities . . . . . .         9         9         41         48         517        624
   FHLB Stock. . . . . . .     1,946         -          -          -           -      1,946
   Investment securities .     5,946    10,927      7,065          -           -     23,938
   Federal funds sold
    overnight and other
    interest-bearing
     deposits. . . . . . .    21,669         -          -          -           -     21,669
                            ---------  --------  ---------  ---------  ----------  ---------

    Total rate
     sensitive assets. . .  $ 86,197   $58,604   $ 63,370   $ 59,634   $  61,858   $329,663
                            =========  ========  =========  =========  ==========  =========

Interest-bearing
 liabilities:

Deposits:
   NOW accounts. . . . . .  $  4,613   $ 4,613   $ 18,454   $ 18,454   $       -   $ 46,134
   Passbook savings
    accounts . . . . . . .     1,429     1,429      5,716      5,716           -     14,290
   Money market
    deposit accounts . . .     6,732     6,732     26,927     26,927           -     67,318
   Certificates of
   deposit . . . . . . . .    90,443    30,513     27,053      4,555         100    152,664
Borrowings . . . . . . . .        27       553        108        108         809      1,605
                            ---------  --------  ---------  ---------  ----------  ---------
     Total rate
     sensitive liabilities  $103,244   $43,840   $ 78,258   $ 55,760   $     909   $282,011
                            =========  ========  =========  =========  ==========  =========

Excess (deficiency) of
 interest sensitive
 assets over interest
 sensitive liabilities . .  $(17,047)  $14,764   $(14,888)  $  3,874   $  60,949   $ 47,652
Cumulative excess
 (deficiency) of
 interest sensitive
 assets. . . . . . . . . .  $(17,047)  $(2,283)  $(17,171)  $(13,297)  $  47,652   $ 47,652
Cumulative ratio of
  interest-earning
 assets to interest
 -bearing liabilities. . .     83.49%    98.45%     92.38%     95.27%     116.90%    116.90%
Interest sensitivity
 gap to total rate
 sensitive assets. . . . .    (5.17)%     4.48%    (4.52)%      1.18%      18.49%     14.45%
Ratio of interest-
 earning assets to
 interest -bearing
 liabilities . . . . . . .     83.49%   133.68%     80.98%    106.95%   6,805.06%    116.90%
Ratio of cumulative
 gap to total rate
 sensitive assets. . . . .    (5.17)%   (0.69)%    (5.21)%    (4.03)%      14.45%     14.45%
</TABLE>




                                       13
<PAGE>

Part  II.  Other  Information

Item  1.  Legal  Proceedings

     Not  applicable

Item  2.  Changes  in  Securities  and  use  of  Proceeds

     Not  applicable

Item  3.  Defaults  Upon  Senior  Securities

     Not  applicable

Item  4.  Submission  of  Matters  to  a  Vote  of  Security  Holders


On April 27, 2000 at the annual meeting of shareholders of Cavalry Bancorp, Inc.
the  following  Directors  were  elected  for  three  year  terms:

     Name               For        Against       Abstain

Ronald F. Knight      4,897,873     11,809          0
Tim  J.  Durham       4,897,147     12,535          0
Ed  Elam              4,890,469     19,213          0

Approve  the  appointment  of  Rayburn,  Betts  &  Bates,  P.C. as the Company's
Independent  Auditor

                      For          Against       Abstain

                    4,900,469         804         8,409

Item  5.  Other  Information

     None

Item  6.  Exhibits,  Financial  Statement  Schedules,  and  Reports  on Form 8-K

     (a)  Exhibits

     3.1       Charter  of  the  Registrant*
     3.2       Bylaws  of  the  Registrant*
     10.1      Employment  Agreement  with  Ed  C  Loughry,  Jr.**
     10.2      Employment  Agreement  with  Ronald  F  Knight  **
     10.3      Severance  Agreement  with  Hillard  C.  Gardner**
     10.4      Severance  Agreement  with  Ira  B.  Lewis  **
     10.5      Severance  Agreement  with  R.  Dale  Floyd  **
     10.6      Severance  Agreement  with  M.  Glenn  Layne  **
     10.7      Severance  Agreement  with  Joy  B.  Jobe**
     10.8      Severance  Agreement  with  William  S.  Jones**
     10.9      Severance  Agreement  with  David  W.  Hopper**
     10.10     Cavalry  Banking  Key  Personnel  Severance  Compensation  Plan**
     10.11     Cavalry  Banking  Employee  Stock  Ownership  Plan**
     10.12     Management  Recognition  Plan  with William H. Huddleston III ***
     10.13     Management  Recognition  Plan  with  Gary  Brown  ***
     10.14     Management  Recognition  Plan  with  Ed  Elam  ***
     10.15     Management  Recognition  Plan  with  Frank  E.  Crosslin, Jr. ***
     10.16     Management  Recognition  Plan  with  Tim  J.  Durham  ***
     10.17     Management  Recognition  Plan  with  James  C.  Cope  ***
     10.18     Management  Recognition  Plan  with  Terry  G.  Haynes  ***
     10.19     Management  Recognition  Plan  with  Ed  C.  Loughry,  Jr.  ***
     10.20     Management  Recognition  Plan  with  Ronald  F.  Knight  ***
     10.21     Management  Recognition  Plan  with  William  S.  Jones  ***
     10.22     Management  Recognition  Plan  with  Hillard  C.  Gardner  ***
     10.23     Management  Recognition  Plan  with  R.  Dale  Floyd  ***
     10.24     Management  Recognition  Plan  with  David  W.  Hopper  ***
     10.25     Management  Recognition  Plan  with  Joe  W.  Townsend  ***
     10.26     Management  Recognition  Plan  with  M.  Glenn  Layne  ***
     10.27     Management  Recognition  Plan  with  Joy  B.  Jobe  ***
     10.28     Management  Recognition  Plan  with  Ira  B.  Lewis,  Jr.  ***
     10.29     Management  Recognition  Plan  with  Elizabeth  L.  Green  ***
     10.30     Management  Recognition  Plan  with  James  O.  Sweeney,  III ***
     13        Annual  Report  to  Stockholders****
     21        Subsidiaries  of  the  Registrant****
     27        Financial  Data  Schedule

*     Incorporated  herein  by  reference  to  the  Registrant's  Registration
      Statement  on  Form  S-1,  as  amended  (333-40057).
**    Incorporated  herein  by  reference  to the Registrant's Annual Report on
      Form 10-K for the year ended December 31, 1997, as filed with the
      Securities and Exchange  Commission  on  March  30,  1998.
***   Incorporated  herein  by  reference  to  the Registrant's Annual Meeting
      Proxy  Statement dated March 15, 1999, as filed with the Securities and
      Exchange Commission  on  March  15,  1999.
****  Incorporated  herein  by reference to the Registrant's Annual Report on
      Form 10-K for the year ended December 31, 1999, as filed with the
      Securities and Exchange  Commission  on  March  27,  2000.

(b)  Reports  on  Form  8-K

     No  Reports  on Form 8-K were filed during the quarter ended June 30, 2000.

                                       14
<PAGE>

Pursuant  to  the  requirements  of section 13 or 15(d) of the Securities Act of
1934,  the  registrant has duly caused this report to be signed on its behalf by
the  undersigned,  thereunto  duly  authorized.



                                             CAVALRY  BANCORP,  INC.

Date:  August  10, 2000                      by: /s/ Ed C. Loughry, Jr.
                                                 -----------------------
                                                 Ed  C.  Loughry,  Jr.
                                                 Chairman of the Board
                                                 of Directors
                                                 Chief Executive Officer


Date:  August  10,  2000                     by: /s/  Hillard  C. Gardner
                                                 ------------------------
                                                 Hillard  C.  Gardner
                                                 Senior Vice President and
                                                 Chief Financial  Officer
                                                 (Principal Financial and
                                                 Accounting  Officer)

                                       15
<PAGE>

[ARTICLE] 9
[LEGEND]
This  schedule  contains  financial  information extracted from the consolidated
financial  statements of Cavalry Bancorp, Inc. for the six months ended June 30,
2000 and is qualified in its entirety by reference to such financial statements.
[/LEGEND]
[CIK]     0001049535
[NAME]     CAVALRY BANCORP, INC.
[MULTIPLIER]    1000
<TABLE>
<CAPTION>
<S>                                     <C>
[PERIOD-TYPE]                           6-MOS
[FISCAL-YEAR-END]                       DEC-31-2000
[PERIOD-START]                          JAN-01-2000
[PERIOD-END]                            JUN-30-2000
[CASH]                                      18,242
[INT-BEARING-DEPOSITS]                      21,669
[FED-FUNDS-SOLD]                                 0
[TRADING-ASSETS]                                 0
[INVESTMENTS-HELD-FOR-SALE]                 23,938
[INVESTMENTS-CARRYING]                         624
[INVESTMENTS-MARKET]                           616
[LOANS]                                    281,486
[ALLOWANCE]                                  4,241
[TOTAL-ASSETS]                             367,053
[DEPOSITS]                                 322,682
[SHORT-TERM]                                   526
[LIABILITIES-OTHER]                          1,660
[LONG-TERM]                                  1,079
[PREFERRED-MANDATORY]                            0
[PREFERRED]                                      0
[COMMON]                                    11,276
[OTHER-SE]                                  29,830
[TOTAL-LIABILITIES-AND-EQUITY]             367,053
[INTEREST-LOAN]                             12,548
[INTEREST-INVEST]                              717
[INTEREST-OTHER]                               914
[INTEREST-TOTAL]                            14,179
[INTEREST-DEPOSIT]                           6,063
[INTEREST-EXPENSE]                           6,208
[INTEREST-INCOME-NET]                        7,971
[LOAN-LOSSES]                                  141
[SECURITIES-GAINS]                               0
[EXPENSE-OTHER]                              7,290
[INCOME-PRETAX]                              3,337
[INCOME-PRE-EXTRAORDINARY]                   3,337
[EXTRAORDINARY]                                  0
[CHANGES]                                        0
[NET-INCOME]                                 1,939
[EPS-BASIC]                                  .31
[EPS-DILUTED]                                  .31
[YIELD-ACTUAL]                               4.830
[LOANS-NON]                                    584
[LOANS-PAST]                                     0
[LOANS-TROUBLED]                                 0
[LOANS-PROBLEM]                              3,991
[ALLOWANCE-OPEN]                             4,194
[CHARGE-OFFS]                                   52
[RECOVERIES]                                    15
[ALLOWANCE-CLOSE]                            4,241
[ALLOWANCE-DOMESTIC]                         4,241
[ALLOWANCE-FOREIGN]                              0
[ALLOWANCE-UNALLOCATED]                          0
</TABLE>