<ARTICLE> 9
<CIK> 0001094059
<NAME> CB&T HOLDING CORP.
<PERIOD-TYPE> YEAR 6-MOS
<FISCAL-YEAR-END> DEC-31-1998 JUN-30-1999
<PERIOD-END> DEC-31-1998 JUN-30-1999
<CASH> 3,637 2,122
<INT-BEARING-DEPOSITS> 0 0
<FED-FUNDS-SOLD> 23,280 29,030
<TRADING-ASSETS> 0 0
<INVESTMENTS-HELD-FOR-SALE> 15,890 18,661
<INVESTMENTS-CARRYING> 0 0
<INVESTMENTS-MARKET> 0 0
<LOANS> 289,309 274,392
<ALLOWANCE> 4,484 5,407
<TOTAL-ASSETS> 282,526 276,191
<DEPOSITS> 252,728 245,776
<SHORT-TERM> 0 0
<LIABILITIES-OTHER> 1,512 1,694
<LONG-TERM> 11,624 11,324
<PREFERRED-MANDATORY> 0 0
<PREFERRED> 0 0
<COMMON> 510 510
<OTHER-SE> 16,152 16,887
<TOTAL-LIABILITIES-AND-EQUITY> 282,526 276,191
<INTEREST-LOAN> 34,535 19,637
<INTEREST-INVEST> 1,324 609
<INTEREST-OTHER> 1,527 582
<INTEREST-TOTAL> 37,386 20,828
<INTEREST-DEPOSIT> 12,911 6,632
<INTEREST-EXPENSE> 13,722 6,999
<INTEREST-INCOME-NET> 23,664 13,829
<LOAN-LOSSES> 5,336 3,291
<SECURITIES-GAINS> 0 0
<EXPENSE-OTHER> 14,037 8,672
<INCOME-PRETAX> 6,560 3,041
<INCOME-PRE-EXTRAORDINARY> 0 0
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> 4,722 3,029
<EPS-BASIC> 23.15 14.85
<EPS-DILUTED> 23.15 14.85
<YIELD-ACTUAL> 7.84 8.41
<LOANS-NON> 3,819 2,561
<LOANS-PAST> 2,840 1,682
<LOANS-TROUBLED> 659 453
<LOANS-PROBLEM> 0 0
<ALLOWANCE-OPEN> 5,097 4,484
<CHARGE-OFFS> 6,205 2,683
<RECOVERIES> 256 315
<ALLOWANCE-CLOSE> 4,484 5,407
<ALLOWANCE-DOMESTIC> 4,484 5,407
<ALLOWANCE-FOREIGN> 0 0
<ALLOWANCE-UNALLOCATED> 0 0