<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEETS OF SUMMIT BANCSHARES, INC., AS OF JUNE 30, 1999, AND
THE RELATED STATEMENTS OF INCOME, CHANGES IN SHAREHOLDERS' EQUITY AND CASH FLOWS
FOR THE PERIOD ENDING JUNE 30, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                          23,117
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 8,980
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    108,358
<INVESTMENTS-CARRYING>                         137,694
<INVESTMENTS-MARKET>                           137,533
<LOANS>                                        339,212
<ALLOWANCE>                                      4,895
<TOTAL-ASSETS>                                 524,331
<DEPOSITS>                                     453,898
<SHORT-TERM>                                    20,340
<LIABILITIES-OTHER>                              3,163
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         8,067
<OTHER-SE>                                      38,863
<TOTAL-LIABILITIES-AND-EQUITY>                 524,331
<INTEREST-LOAN>                                 14,546
<INTEREST-INVEST>                                4,110
<INTEREST-OTHER>                                   459
<INTEREST-TOTAL>                                19,115
<INTEREST-DEPOSIT>                               6,094
<INTEREST-EXPENSE>                               6,411
<INTEREST-INCOME-NET>                           12,704
<LOAN-LOSSES>                                      638
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  7,416
<INCOME-PRETAX>                                  6,583
<INCOME-PRE-EXTRAORDINARY>                       4,307
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,307
<EPS-BASIC>                                        .67
<EPS-DILUTED>                                      .64
<YIELD-ACTUAL>                                    5.31
<LOANS-NON>                                      2,952
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  9,755
<ALLOWANCE-OPEN>                                 4,724
<CHARGE-OFFS>                                      559
<RECOVERIES>                                        92
<ALLOWANCE-CLOSE>                                4,895
<ALLOWANCE-DOMESTIC>                             4,895
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0