<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from Homeland
Bankshares Corporation's 1996 Second Quarter Form 10-Q and is qualified in its
entirety by reference to such Form 10-Q.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               JUN-30-1996
<CASH>                                          51,618
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                12,700
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    201,361
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        884,357
<ALLOWANCE>                                      8,913
<TOTAL-ASSETS>                               1,199,755
<DEPOSITS>                                     947,527
<SHORT-TERM>                                    63,575
<LIABILITIES-OTHER>                             12,169
<LONG-TERM>                                     46,976
<COMMON>                                        71,292
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      58,216
<TOTAL-LIABILITIES-AND-EQUITY>               1,199,755
<INTEREST-LOAN>                                 38,261
<INTEREST-INVEST>                                6,236
<INTEREST-OTHER>                                 1,315
<INTEREST-TOTAL>                                45,812
<INTEREST-DEPOSIT>                              17,434
<INTEREST-EXPENSE>                              20,985
<INTEREST-INCOME-NET>                           24,827
<LOAN-LOSSES>                                      971
<SECURITIES-GAINS>                                  17
<EXPENSE-OTHER>                                 18,136
<INCOME-PRETAX>                                 11,945
<INCOME-PRE-EXTRAORDINARY>                       7,333
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     7,333
<EPS-PRIMARY>                                     1.28
<EPS-DILUTED>                                     1.28
<YIELD-ACTUAL>                                    4.53
<LOANS-NON>                                      1,068
<LOANS-PAST>                                     2,444
<LOANS-TROUBLED>                                   286
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 8,603
<CHARGE-OFFS>                                    1,951
<RECOVERIES>                                     1,290
<ALLOWANCE-CLOSE>                                8,913
<ALLOWANCE-DOMESTIC>                             8,913
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0