<ARTICLE>                                            9
<LEGEND>
    THIS SCHEDULE CONTAINS FINANCIAL INFORMATION EXTRACTED FROM THE CONSOLIDATED
FINANCIAL  STATEMENTS  OF  FULTON  BANCSHARES,  INC. FOR  THE THREE MONTHS ENDED
SEPTEMBER  30, 1998 AND  IS  QUALIFIED  IN  ITS  ENTIRETY  BY  REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<CIK>                         0001017952
<NAME>                        Fulton Bancshares, Inc.
<MULTIPLIER>                                   1000
<CURRENCY>                                     U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                         JUN-30-1999
<PERIOD-START>                            JUN-30-1998
<PERIOD-END>                              SEP-30-1998
<EXCHANGE-RATE>                                     1
<CASH>                                            657
<INT-BEARING-DEPOSITS>                         13,932
<FED-FUNDS-SOLD>                                    0
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                     1,053
<INVESTMENTS-CARRYING>                              0
<INVESTMENTS-MARKET>                                0
<LOANS>                                        98,973
<ALLOWANCE>                                       994
<TOTAL-ASSETS>                                117,584
<DEPOSITS>                                     71,960
<SHORT-TERM>                                        0
<LIABILITIES-OTHER>                             1,411
<LONG-TERM>                                    17,708
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                           18
<OTHER-SE>                                     26,487
<TOTAL-LIABILITIES-AND-EQUITY>                117,584
<INTEREST-LOAN>                                 1,956
<INTEREST-INVEST>                                  30
<INTEREST-OTHER>                                  186
<INTEREST-TOTAL>                                2,172
<INTEREST-DEPOSIT>                                884
<INTEREST-EXPENSE>                              1,115
<INTEREST-INCOME-NET>                           1,057
<LOAN-LOSSES>                                      30
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                   708
<INCOME-PRETAX>                                   492
<INCOME-PRE-EXTRAORDINARY>                        310
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                      310
<EPS-PRIMARY>                                    0.20
<EPS-DILUTED>                                    0.19
<YIELD-ACTUAL>                                   3.82
<LOANS-NON>                                        22
<LOANS-PAST>                                      276
<LOANS-TROUBLED>                                  294
<LOANS-PROBLEM>                                   748
<ALLOWANCE-OPEN>                                  971
<CHARGE-OFFS>                                      11
<RECOVERIES>                                        4
<ALLOWANCE-CLOSE>                                 994
<ALLOWANCE-DOMESTIC>                              921
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                            73