<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, 1997
AND THE CONSOLIDATED STATEMENT OF OPERATIONS FOR THE YEAR ENDED DECEMBER 31,
1997 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-31-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                       2,290,840
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             1,021,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 11,736,737
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     22,665,227
<ALLOWANCE>                                    270,000
<TOTAL-ASSETS>                              39,783,066
<DEPOSITS>                                  36,593,888
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                             78,559
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     2,731,995
<OTHER-SE>                                     378,624
<TOTAL-LIABILITIES-AND-EQUITY>              39,783,066
<INTEREST-LOAN>                              1,668,116
<INTEREST-INVEST>                              745,596
<INTEREST-OTHER>                                40,131
<INTEREST-TOTAL>                             2,453,843
<INTEREST-DEPOSIT>                           1,353,521
<INTEREST-EXPENSE>                           1,370,687     
<INTEREST-INCOME-NET>                        1,083,156
<LOAN-LOSSES>                                  185,943
<SECURITIES-GAINS>                               2,662
<EXPENSE-OTHER>                              1,297,062
<INCOME-PRETAX>                              (247,250)
<INCOME-PRE-EXTRAORDINARY>                   (247,250)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 (247,250)
<EPS-PRIMARY>                                    (.45)
<EPS-DILUTED>                                    (.45)
<YIELD-ACTUAL>                                    3.54   
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               155,000
<CHARGE-OFFS>                                   82,476
<RECOVERIES>                                    11,533
<ALLOWANCE-CLOSE>                              270,000
<ALLOWANCE-DOMESTIC>                           270,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0