<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