<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CNB HOLDINGS, INC. AND SUBSIDIARY CONSOLIDATED BALANCE SHEET AT DECEMBER
31, 1998 AND THE CONSOLIDATED STATEMENT OF OPERATIONS FOR THE YEAR ENDED
DECEMBER 31, 1998 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                       2,925,106
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                               495,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 16,427,685
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     31,480,676
<ALLOWANCE>                                    372,574
<TOTAL-ASSETS>                              53,428,715
<DEPOSITS>                                  46,117,467
<SHORT-TERM>                                   851,000
<LIABILITIES-OTHER>                             87,926
<LONG-TERM>                                    132,590
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     4,631,995
<OTHER-SE>                                   1,607,737
<TOTAL-LIABILITIES-AND-EQUITY>              53,428,715
<INTEREST-LOAN>                              2,322,271
<INTEREST-INVEST>                              800,268
<INTEREST-OTHER>                               218,361
<INTEREST-TOTAL>                             3,340,900
<INTEREST-DEPOSIT>                           1,809,944
<INTEREST-EXPENSE>                           1,813,531
<INTEREST-INCOME-NET>                        1,527,369
<LOAN-LOSSES>                                  165,551
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,612,406
<INCOME-PRETAX>                                 24,169 
<INCOME-PRE-EXTRAORDINARY>                      24,169
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    24,169
<EPS-PRIMARY>                                      .03
<EPS-DILUTED>                                      .03
<YIELD-ACTUAL>                                    3.54
<LOANS-NON>                                          0
<LOANS-PAST>                                    86,122
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                330,048
<ALLOWANCE-OPEN>                               270,000
<CHARGE-OFFS>                                   64,193
<RECOVERIES>                                     1,216
<ALLOWANCE-CLOSE>                              372,574
<ALLOWANCE-DOMESTIC>                           372,574
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>