<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