<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEETS OF SUMMIT BANCSHARES, INC., AS OF MARCH 31, 2000 ,
AND THE RELATED STATEMENTS OF INCOME, CHANGES IN SHAREHOLDERS' EQUITY AND CASH
FLOWS FOR THE PERIOD ENDING MARCH 31, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          MAR-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                          26,506
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                25,820
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    119,272
<INVESTMENTS-CARRYING>                         145,304
<INVESTMENTS-MARKET>                           144,617
<LOANS>                                        370,125
<ALLOWANCE>                                      5,440
<TOTAL-ASSETS>                                 582,546
<DEPOSITS>                                     501,824
<SHORT-TERM>                                    28,438
<LIABILITIES-OTHER>                              2,701
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         8,039
<OTHER-SE>                                      41,544
<TOTAL-LIABILITIES-AND-EQUITY>                 582,546
<INTEREST-LOAN>                                  8,681
<INTEREST-INVEST>                                2,293
<INTEREST-OTHER>                                   176
<INTEREST-TOTAL>                                11,150
<INTEREST-DEPOSIT>                               3,740
<INTEREST-EXPENSE>                               4,091
<INTEREST-INCOME-NET>                            7,059
<LOAN-LOSSES>                                      232
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,993
<INCOME-PRETAX>                                  3,742
<INCOME-PRE-EXTRAORDINARY>                       2,450
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,450
<EPS-BASIC>                                        .38
<EPS-DILUTED>                                      .37
<YIELD-ACTUAL>                                    5.39
<LOANS-NON>                                      2,518
<LOANS-PAST>                                       105
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                 12,367
<ALLOWANCE-OPEN>                                 5,169
<CHARGE-OFFS>                                       31
<RECOVERIES>                                        70
<ALLOWANCE-CLOSE>                                5,440
<ALLOWANCE-DOMESTIC>                             5,440
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0