<ARTICLE>                                            9
<LEGEND>
This Schedule contains summary financial information extracted from the
unaudited financial statements for the six-month period ending June 30,
1999, and is qualified in its entirety b y reference to such financial
statements.
</LEGEND>
<CIK>                         0001077771
<NAME>                        Umpqua Holdings Corporation
<MULTIPLIER>                  1
<CURRENCY>                    US Dollars

                                            
<PERIOD-TYPE>                                  6-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-START>                                 JAN-01-1999
<PERIOD-END>                                   JUN-30-1999
<EXCHANGE-RATE>                                1.000
<CASH>                                         21,233,107
<INT-BEARING-DEPOSITS>                         8,213,270
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    83,616,300
<INVESTMENTS-CARRYING>                         0
<INVESTMENTS-MARKET>                           0
<LOANS>                                        208,198,811
<ALLOWANCE>                                    2,942,364
<TOTAL-ASSETS>                                 333,242,040
<DEPOSITS>                                     271,119,225
<SHORT-TERM>                                   0
<LIABILITIES-OTHER>                            1,243,142
<LONG-TERM>                                    25,178,000
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       25,938,370
<OTHER-SE>                                     9,763,303
<TOTAL-LIABILITIES-AND-EQUITY>                 333,242,040
<INTEREST-LOAN>                                4,580,954
<INTEREST-INVEST>                              1,233,480
<INTEREST-OTHER>                               127,006
<INTEREST-TOTAL>                               5,941,440
<INTEREST-DEPOSIT>                             1,710,847
<INTEREST-EXPENSE>                             2,035,641
<INTEREST-INCOME-NET>                          3,905,799
<LOAN-LOSSES>                                  327,000
<SECURITIES-GAINS>                             0
<EXPENSE-OTHER>                                2,713,144
<INCOME-PRETAX>                                1,823,771
<INCOME-PRE-EXTRAORDINARY>                     1,823,771
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   1,173,089
<EPS-BASIC>                                  0.15
<EPS-DILUTED>                                  0.15
<YIELD-ACTUAL>                                 5.36
<LOANS-NON>                                    671,459
<LOANS-PAST>                                   494,615
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               2,911,586
<CHARGE-OFFS>                                  306,832
<RECOVERIES>                                   10,610
<ALLOWANCE-CLOSE>                              2,942,364
<ALLOWANCE-DOMESTIC>                           2,942,364
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        0