<TABLE> <S> <C>

<ARTICLE>                      9
<LEGEND>
 This schedule contains summary financial information extracted from MNB
 Bancshares, Inc. 12/31/99 Form 10-K 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>                                  12-MOS
<FISCAL-YEAR-END>                              Dec-31-1999
<PERIOD-END>                                   Dec-31-1999
<CASH>                                         2,952,527
<INT-BEARING-DEPOSITS>                         1,362,486
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    43,402,200
<INVESTMENTS-CARRYING>                         1,603,268
<INVESTMENTS-MARKET>                           1,602,000
<LOANS>                                        88,968,959
<ALLOWANCE>                                    1,248,758
<TOTAL-ASSETS>                                 143,262,300
<DEPOSITS>                                     112,336,329
<SHORT-TERM>                                   8,405,000
<LIABILITIES-OTHER>                            936,730
<LONG-TERM>                                    8,293,857
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       14,493
<OTHER-SE>                                     13,275,891
<TOTAL-LIABILITIES-AND-EQUITY>                 143,262,300
<INTEREST-LOAN>                                6,846,202
<INTEREST-INVEST>                              2,691,003
<INTEREST-OTHER>                               13,329
<INTEREST-TOTAL>                               9,550,534
<INTEREST-DEPOSIT>                             4,285,924
<INTEREST-EXPENSE>                             4,987,702
<INTEREST-INCOME-NET>                          4,562,832
<LOAN-LOSSES>                                  15,000
<SECURITIES-GAINS>                             7,147
<EXPENSE-OTHER>                                4,182,785
<INCOME-PRETAX>                                1,367,556
<INCOME-PRE-EXTRAORDINARY>                     904,239
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   904,239
<EPS-BASIC>                                    0.63
<EPS-DILUTED>                                  0.61
<YIELD-ACTUAL>                                 3.50
<LOANS-NON>                                    466,000
<LOANS-PAST>                                   0
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               1,291,901
<CHARGE-OFFS>                                  114,101
<RECOVERIES>                                   55,958
<ALLOWANCE-CLOSE>                              1,248,758
<ALLOWANCE-DOMESTIC>                           935,828
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        312,930



</TABLE>