<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS FINANCIAL INFORMATION EXTRACTED FROM THE CONSOLIDATED
FINANCIAL STATEMENTS OF FULTON BANCSHARES, INC. FOR THE THREE MONTHS ENDED
DECEMBER 31, 1998 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                           JUN-30-1999
<PERIOD-START>                              JUL-01-1998
<PERIOD-END>                                DEC-31-1998
<CASH>                                              631
<INT-BEARING-DEPOSITS>                            7,225
<FED-FUNDS-SOLD>                                      0
<TRADING-ASSETS>                                      0
<INVESTMENTS-HELD-FOR-SALE>                       1,700
<INVESTMENTS-CARRYING>                                0
<INVESTMENTS-MARKET>                                  0
<LOANS>                                         103,775
<ALLOWANCE>                                       1,032
<TOTAL-ASSETS>                                  116,522
<DEPOSITS>                                       71,760
<SHORT-TERM>                                          0
<LIABILITIES-OTHER>                                 957
<LONG-TERM>                                      18,549
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                           0
<COMMON>                                             18
<OTHER-SE>                                       25,238
<TOTAL-LIABILITIES-AND-EQUITY>                  116,522
<INTEREST-LOAN>                                   4,031
<INTEREST-INVEST>                                    64
<INTEREST-OTHER>                                    325
<INTEREST-TOTAL>                                  4,420
<INTEREST-DEPOSIT>                                1,770
<INTEREST-EXPENSE>                                2,288
<INTEREST-INCOME-NET>                             2,132
<LOAN-LOSSES>                                        70
<SECURITIES-GAINS>                                    0
<EXPENSE-OTHER>                                   1,460
<INCOME-PRETAX>                                     954
<INCOME-PRE-EXTRAORDINARY>                          603
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                        603
<EPS-PRIMARY>                                      0.39
<EPS-DILUTED>                                      0.38
<YIELD-ACTUAL>                                     3.74
<LOANS-NON>                                         233
<LOANS-PAST>                                        220
<LOANS-TROUBLED>                                    633
<LOANS-PROBLEM>                                     404
<ALLOWANCE-OPEN>                                    971
<CHARGE-OFFS>                                        12
<RECOVERIES>                                          3
<ALLOWANCE-CLOSE>                                 1,032
<ALLOWANCE-DOMESTIC>                                977
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                              55