<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
consolidated balance sheets of Summit Bancshares, Inc., as of December 31, 1997,
and the related statements of income, changes in shareholders' equity and cash
flows for the period ending December 31, 1997 and is qualified in its entirety
by reference to such financial statements.
</LEGEND>
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                          30,487
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                35,760
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     60,476
<INVESTMENTS-CARRYING>                          45,151
<INVESTMENTS-MARKET>                            45,360
<LOANS>                                        276,069
<ALLOWANCE>                                      4,065
<TOTAL-ASSETS>                                 459,794
<DEPOSITS>                                     401,724
<SHORT-TERM>                                    14,689
<LIABILITIES-OTHER>                              2,269
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         8,127
<OTHER-SE>                                      32,985
<TOTAL-LIABILITIES-AND-EQUITY>                 459,794
<INTEREST-LOAN>                                 24,063
<INTEREST-INVEST>                                6,901
<INTEREST-OTHER>                                 1,008
<INTEREST-TOTAL>                                31,972
<INTEREST-DEPOSIT>                              10,773
<INTEREST-EXPENSE>                              11,301
<INTEREST-INCOME-NET>                           20,671
<LOAN-LOSSES>                                      900
<SECURITIES-GAINS>                                  (1)
<EXPENSE-OTHER>                                 12,318
<INCOME-PRETAX>                                 10,718
<INCOME-PRE-EXTRAORDINARY>                       7,040
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     7,040
<EPS-PRIMARY>                                     1.09
<EPS-DILUTED>                                     1.04
<YIELD-ACTUAL>                                    5.47
<LOANS-NON>                                      2,112
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  9,184
<ALLOWANCE-OPEN>                                 2,972
<CHARGE-OFFS>                                      246
<RECOVERIES>                                       439
<ALLOWANCE-CLOSE>                                4,065
<ALLOWANCE-DOMESTIC>                             2,884
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,181