<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, 1996
AND THE CONSOLIDATED STATEMENT OF OPERATIONS FOR THE YEAR ENDED DECEMBER 31,
1996 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                       1,188,999
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                               402,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 11,312,764
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     12,877,865
<ALLOWANCE>                                    155,000
<TOTAL-ASSETS>                              27,417,323
<DEPOSITS>                                  24,040,702
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                             53,100
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     2,186,125
<OTHER-SE>                                   1,137,396
<TOTAL-LIABILITIES-AND-EQUITY>              27,417,323
<INTEREST-LOAN>                                926,222
<INTEREST-INVEST>                              578,359
<INTEREST-OTHER>                                70,412
<INTEREST-TOTAL>                             1,574,993
<INTEREST-DEPOSIT>                             853,867
<INTEREST-EXPENSE>                             853,867    
<INTEREST-INCOME-NET>                          721,126
<LOAN-LOSSES>                                  103,947
<SECURITIES-GAINS>                              16,550
<EXPENSE-OTHER>                                929,370
<INCOME-PRETAX>                              (185,645)
<INCOME-PRE-EXTRAORDINARY>                   (185,645)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 (185,645)
<EPS-PRIMARY>                                    (.42)
<EPS-DILUTED>                                    (.42)
<YIELD-ACTUAL>                                    3.63  
<LOANS-NON>                                     17,459
<LOANS-PAST>                                    52,268
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                81,202
<CHARGE-OFFS>                                   43,291
<RECOVERIES>                                    13,142
<ALLOWANCE-CLOSE>                              155,000
<ALLOWANCE-DOMESTIC>                           155,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0