<ARTICLE>                                            9
<LEGEND>
    This schedule contains summmary financial information extracted from
Highlands Bankshares, Inc. Form 10Q and is qualified in its entirety by
reference to such financial statements.
</LEGEND>
<MULTIPLIER>                                   1,000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-START>                                 JAN-01-2000
<PERIOD-END>                                   JUN-30-2000
<CASH>                                         5,451
<INT-BEARING-DEPOSITS>                         3,431
<FED-FUNDS-SOLD>                               5,038
<TRADING-ASSETS>                                   0
<INVESTMENTS-HELD-FOR-SALE>                   25,589
<INVESTMENTS-CARRYING>                         2,956
<INVESTMENTS-MARKET>                           2,929
<LOANS>                                      173,649
<ALLOWANCE>                                   (1,459)
<TOTAL-ASSETS>                               228,584
<DEPOSITS>                                   197,551
<SHORT-TERM>                                   2,186
<LIABILITIES-OTHER>                            1,684
<LONG-TERM>                                    2,249
<PREFERRED-MANDATORY>                              0
<PREFERRED>                                        0
<COMMON>                                       2,734
<OTHER-SE>                                    22,180
<TOTAL-LIABILITIES-AND-EQUITY>               228,584
<INTEREST-LOAN>                                7,417
<INTEREST-INVEST>                                915
<INTEREST-OTHER>                                 216
<INTEREST-TOTAL>                               8,548
<INTEREST-DEPOSIT>                             3,975
<INTEREST-EXPENSE>                             4,043
<INTEREST-INCOME-NET>                          4,505
<LOAN-LOSSES>                                    220
<SECURITIES-GAINS>                                 0
<EXPENSE-OTHER>                                3,210
<INCOME-PRETAX>                                1,622
<INCOME-PRE-EXTRAORDINARY>                     1,039
<EXTRAORDINARY>                                    0
<CHANGES>                                          0
<NET-INCOME>                                   1,039
<EPS-BASIC>                                     2.07
<EPS-DILUTED>                                   2.07
<YIELD-ACTUAL>                                  4.41
<LOANS-NON>                                      184
<LOANS-PAST>                                     532
<LOANS-TROUBLED>                                   0
<LOANS-PROBLEM>                                    0
<ALLOWANCE-OPEN>                               1,318
<CHARGE-OFFS>                                    139
<RECOVERIES>                                      60
<ALLOWANCE-CLOSE>                              1,459
<ALLOWANCE-DOMESTIC>                           1,459
<ALLOWANCE-FOREIGN>                                0
<ALLOWANCE-UNALLOCATED>                            0