<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
consolidated balance sheets of Summit Bancshares, Inc. and Subsidiaries as of
December 31, 1995, and the related statements of income, changes in
shareholders' equity and cash flows for the period ending December 31, 1995 and
is qualified in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               DEC-31-1995
<CASH>                                          22,480
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                25,680
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     54,803
<INVESTMENTS-CARRYING>                          64,565
<INVESTMENTS-MARKET>                            64,772
<LOANS>                                        178,493
<ALLOWANCE>                                      2,500
<TOTAL-ASSETS>                                 355,417
<DEPOSITS>                                     310,109
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                             15,183
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                            3,937
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      26,188
<TOTAL-LIABILITIES-AND-EQUITY>                 355,417
<INTEREST-LOAN>                                 15,331
<INTEREST-INVEST>                                6,502
<INTEREST-OTHER>                                 1,096
<INTEREST-TOTAL>                                22,929
<INTEREST-DEPOSIT>                               7,936
<INTEREST-EXPENSE>                               8,277
<INTEREST-INCOME-NET>                           14,652
<LOAN-LOSSES>                                      236
<SECURITIES-GAINS>                                (10)
<EXPENSE-OTHER>                                  9,973
<INCOME-PRETAX>                                  7,197
<INCOME-PRE-EXTRAORDINARY>                       4,729
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,729
<EPS-PRIMARY>                                     1.51
<EPS-DILUTED>                                     1.51
<YIELD-ACTUAL>                                    5.14
<LOANS-NON>                                        990
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  7,621
<ALLOWANCE-OPEN>                                 2,410
<CHARGE-OFFS>                                      347
<RECOVERIES>                                       201
<ALLOWANCE-CLOSE>                                2,500
<ALLOWANCE-DOMESTIC>                             1,968
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            532