<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE CONSOLIDATED BALANCE SHEETS OF SUMMIT BANCSHARES, INC., AS OF JUNE 30, 1998 AND THE RELATED STATEMENTS OF INCOME, CHANGES IN SHAREHOLDERS' EQUITY AND CASH FLOWS FOR THE PERIOD ENDING JUNE 30, 1998 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> JUN-30-1998 <CASH> 25,602 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 27,675 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 60,223 <INVESTMENTS-CARRYING> 107,972 <INVESTMENTS-MARKET> 108,234 <LOANS> 292,846 <ALLOWANCE> 4,413 <TOTAL-ASSETS> 465,615 <DEPOSITS> 405,972 <SHORT-TERM> 0 <LIABILITIES-OTHER> 16,296 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 8,143 <OTHER-SE> 35,204 <TOTAL-LIABILITIES-AND-EQUITY> 465,615 <INTEREST-LOAN> 13,653 <INTEREST-INVEST> 3,298 <INTEREST-OTHER> 989 <INTEREST-TOTAL> 17,940 <INTEREST-DEPOSIT> 6,230 <INTEREST-EXPENSE> 6,537 <INTEREST-INCOME-NET> 11,403 <LOAN-LOSSES> 408 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 6,941 <INCOME-PRETAX> 5,880 <INCOME-PRE-EXTRAORDINARY> 3,867 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,867 <EPS-PRIMARY> .59 <EPS-DILUTED> .56 <YIELD-ACTUAL> 5.38 <LOANS-NON> 6,830 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 11,737 <ALLOWANCE-OPEN> 4,065 <CHARGE-OFFS> 115 <RECOVERIES> 55 <ALLOWANCE-CLOSE> 4,413 <ALLOWANCE-DOMESTIC> 4,413 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0