<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>                   9-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-START>                                 JAN-01-2000
<PERIOD-END>                                   SEP-30-2000
<CASH>                                         5,922
<INT-BEARING-DEPOSITS>                         2,195
<FED-FUNDS-SOLD>                               5,563
<TRADING-ASSETS>                                   0
<INVESTMENTS-HELD-FOR-SALE>                   26,501
<INVESTMENTS-CARRYING>                         2,796
<INVESTMENTS-MARKET>                           2,784
<LOANS>                                      184,301
<ALLOWANCE>                                   (1,556)
<TOTAL-ASSETS>                               239,997
<DEPOSITS>                                   207,752
<SHORT-TERM>                                   2,414
<LIABILITIES-OTHER>                            2,052
<LONG-TERM>                                    2,230
<PREFERRED-MANDATORY>                              0
<PREFERRED>                                        0
<COMMON>                                       2,734
<OTHER-SE>                                    22,815
<TOTAL-LIABILITIES-AND-EQUITY>               239,997
<INTEREST-LOAN>                               11,561
<INTEREST-INVEST>                              1,373
<INTEREST-OTHER>                                 351
<INTEREST-TOTAL>                              13,285
<INTEREST-DEPOSIT>                             6,208
<INTEREST-EXPENSE>                             6,349
<INTEREST-INCOME-NET>                          6,936
<LOAN-LOSSES>                                    310
<SECURITIES-GAINS>                                 0
<EXPENSE-OTHER>                                4,864
<INCOME-PRETAX>                                2,593
<INCOME-PRE-EXTRAORDINARY>                     1,654
<EXTRAORDINARY>                                    0
<CHANGES>                                          0
<NET-INCOME>                                   1,654
<EPS-BASIC>                                     3.30
<EPS-DILUTED>                                   3.30
<YIELD-ACTUAL>                                  4.44
<LOANS-NON>                                      166
<LOANS-PAST>                                   2,186
<LOANS-TROUBLED>                                   0
<LOANS-PROBLEM>                                    0
<ALLOWANCE-OPEN>                               1,406
<CHARGE-OFFS>                                    244
<RECOVERIES>                                      84
<ALLOWANCE-CLOSE>                              1,556
<ALLOWANCE-DOMESTIC>                           1,556
<ALLOWANCE-FOREIGN>                                0
<ALLOWANCE-UNALLOCATED>                            0