<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF BANK OF GRANITE CORPORATION FOR THE YEAR ENDED
DECEMBER 31, 1995 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1
<CURRENCY> US DOLLARS
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               DEC-31-1995
<EXCHANGE-RATE>                                      1
<CASH>                                      19,621,179
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             1,500,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 50,129,581
<INVESTMENTS-CARRYING>                      74,141,480
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    301,685,399
<ALLOWANCE>                                  4,644,725
<TOTAL-ASSETS>                             456,452,332
<DEPOSITS>                                 377,043,144
<SHORT-TERM>                                 2,982,870
<LIABILITIES-OTHER>                          2,806,067
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     5,984,604
<OTHER-SE>                                  67,635,647
<TOTAL-LIABILITIES-AND-EQUITY>             456,452,332
<INTEREST-LOAN>                             29,847,478
<INTEREST-INVEST>                            6,719,492
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                            36,566,970
<INTEREST-DEPOSIT>                          13,024,509
<INTEREST-EXPENSE>                          13,201,538
<INTEREST-INCOME-NET>                       23,365,432
<LOAN-LOSSES>                                1,117,000
<SECURITIES-GAINS>                             (40,952)
<EXPENSE-OTHER>                              9,253,821
<INCOME-PRETAX>                             17,115,476
<INCOME-PRE-EXTRAORDINARY>                  11,516,476
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                11,516,944
<EPS-PRIMARY>                                     1.92
<EPS-DILUTED>                                     1.92
<YIELD-ACTUAL>                                     6.2
<LOANS-NON>                                    231,654
<LOANS-PAST>                                   440,686
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             3,996,000
<CHARGE-OFFS>                                  593,000
<RECOVERIES>                                   125,000
<ALLOWANCE-CLOSE>                            4,645,000
<ALLOWANCE-DOMESTIC>                         4,474,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        171,000
        

</TABLE>