WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

<TABLE> <S> <C>


EXHIBIT 27 - FINANCIAL DATA SCHEDULE - ARTICLE 9 EDGAR DISCLOSURES


<ARTICLE>  9
<CIK>  0000860519
<NAME>  THE SAVANNAH BANCORP, INC.
<MULTIPLIER>  1000
<CURRENCY>  U. S. DOLLARS
       
<S>                                                                       <C>
<PERIOD-TYPE>                                                             12-MOS
<FISCAL-YEAR-END>                                                    DEC-31-1998
<PERIOD-START>                                                       JAN-01-1998
<PERIOD-END>                                                         DEC-31-1998
<EXCHANGE-RATE>                                                                1
<CASH>                                                                     17355
<INT-BEARING-DEPOSITS>                                                    0
<FED-FUNDS-SOLD>                                                           10178
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                                    0
<INVESTMENTS-CARRYING>                                                     61864
<INVESTMENTS-MARKET>                                                       62703
<LOANS>                                                                   170858
<ALLOWANCE>                                                               (2323)
<TOTAL-ASSETS>                                                            266380
<DEPOSITS>                                                                232372
<SHORT-TERM>                                                                3211
<LIABILITIES-OTHER>                                                         1872
<LONG-TERM>                                                                 4450
<COMMON>                                                                    2720
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<OTHER-SE>                                                                 21755
<TOTAL-LIABILITIES-AND-EQUITY>                                            266380
<INTEREST-LOAN>                                                            15120
<INTEREST-INVEST>                                                           3101
<INTEREST-OTHER>                                                             974
<INTEREST-TOTAL>                                                           19195
<INTEREST-DEPOSIT>                                                          8304
<INTEREST-EXPENSE>                                                          8736
<INTEREST-INCOME-NET>                                                      10459
<LOAN-LOSSES>                                                                435
<SECURITIES-GAINS>                                                             3
<EXPENSE-OTHER>                                                             8066
<INCOME-PRETAX>                                                             4262
<INCOME-PRE-EXTRAORDINARY>                                                  2626
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                                2626
<EPS-PRIMARY>                                                                .99
<EPS-DILUTED>                                                                .95
<YIELD-ACTUAL>                                                              4.59
<LOANS-NON>                                                                  233
<LOANS-PAST>                                                                  32
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                               32
<ALLOWANCE-OPEN>                                                            2063
<CHARGE-OFFS>                                                                258
<RECOVERIES>                                                                  83
<ALLOWANCE-CLOSE>                                                           2323
<ALLOWANCE-DOMESTIC>                                                        2323
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                        0
        

</TABLE>