<ARTICLE>                                           9
<CIK>                                               0000768532
<NAME>                                              First
                                                    Commerce
                                                    Bancshares,
                                                    Inc.
<MULTIPLIER>                                                  1000
                                                     
                                                 
<PERIOD-TYPE>                                       3-mos
<FISCAL-YEAR-END>                                   Dec-31-1999
<PERIOD-START>                                      Jan-01-1999
<PERIOD-END>                                        Mar-31-1999
<CASH>                                                     136,587
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<TRADING-ASSETS>                                                 0
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<ALLOWANCE>                                                 24,503
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<LIABILITIES-OTHER>                                         32,348
<LONG-TERM>                                                172,000
<PREFERRED-MANDATORY>                                            0
<PREFERRED>                                                      0
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<EXTRAORDINARY>                                                  0
<CHANGES>                                                        0
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<EPS-PRIMARY>                                                 0.63
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<YIELD-ACTUAL>                                                   0
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<CHARGE-OFFS>                                                2,087
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<ALLOWANCE-FOREIGN>                                              0
<ALLOWANCE-UNALLOCATED>                                          0