<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM CONSOLIDATED
FINANCIAL STATEMENTS AND NOTES THERETO OF CUMBERLAND MOUNTAIN BANCSHARES, INC. 
AT AND FOR THE NINE MONTHS ENDED MARCH 31, 1997 AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          JUN-30-1997
<PERIOD-START>                             JUN-30-1996
<PERIOD-END>                               MAR-31-1997
<CASH>                                             998
<INT-BEARING-DEPOSITS>                           3,856
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     10,705
<INVESTMENTS-CARRYING>                              25
<INVESTMENTS-MARKET>                                25
<LOANS>                                         83,495
<ALLOWANCE>                                        256
<TOTAL-ASSETS>                                 102,621
<DEPOSITS>                                      80,056
<SHORT-TERM>                                     9,500
<LIABILITIES-OTHER>                              1,277
<LONG-TERM>                                      3,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             7
<OTHER-SE>                                       8,781
<TOTAL-LIABILITIES-AND-EQUITY>                 102,621
<INTEREST-LOAN>                                  4,558
<INTEREST-INVEST>                                  505
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 5,063
<INTEREST-DEPOSIT>                               2,707
<INTEREST-EXPENSE>                               3,072
<INTEREST-INCOME-NET>                            1,991
<LOAN-LOSSES>                                      124
<SECURITIES-GAINS>                                  50
<EXPENSE-OTHER>                                  2,105
<INCOME-PRETAX>                                    270
<INCOME-PRE-EXTRAORDINARY>                         270
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       140
<EPS-PRIMARY>                                    0.275
<EPS-DILUTED>                                    0.275
<YIELD-ACTUAL>                                    7.87
<LOANS-NON>                                      1,088
<LOANS-PAST>                                        59
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   180
<CHARGE-OFFS>                                       57
<RECOVERIES>                                         9
<ALLOWANCE-CLOSE>                                  256
<ALLOWANCE-DOMESTIC>                               256
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0