<TABLE> <S> <C>

<PAGE>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CNB HOLDINGS, INC. AND SUBSIDIARY CONSOLIDATED BALANCE SHEET AT DECEMBER 31,
1000 AND THE CONSOLIDATED STATEMENT OF OPERATIONS FOR THE YEAR ENDED DECEMBER
31, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                       2,896,627
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                               760,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 14,188,398
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     31,892,248
<ALLOWANCE>                                    321,574
<TOTAL-ASSETS>                              51,778,331
<DEPOSITS>                                  45,769,733
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                             89,049
<LONG-TERM>                                    126,570
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     4,631,995
<OTHER-SE>                                   1,160,984
<TOTAL-LIABILITIES-AND-EQUITY>              51,778,331
<INTEREST-LOAN>                              2,759,294
<INTEREST-INVEST>                              831,176
<INTEREST-OTHER>                                57,161
<INTEREST-TOTAL>                             3,647,631
<INTEREST-DEPOSIT>                           1,812,721
<INTEREST-EXPENSE>                           1,831,143
<INTEREST-INCOME-NET>                        1,816,488
<LOAN-LOSSES>                                  173,292
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,878,928
<INCOME-PRETAX>                                 29,438
<INCOME-PRE-EXTRAORDINARY>                      29,438
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    29,438
<EPS-BASIC>                                        .03
<EPS-DILUTED>                                      .03
<YIELD-ACTUAL>                                    3.90
<LOANS-NON>                                          0
<LOANS-PAST>                                   126,534
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                126,534
<ALLOWANCE-OPEN>                               372,574
<CHARGE-OFFS>                                  224,292
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              321,574
<ALLOWANCE-DOMESTIC>                           321,574
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>