<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF CORNERSTONE BANCSHARES, INCORPORATED FOR THE YEAR ENDED
DECEMBER 31, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                           7,722
<INT-BEARING-DEPOSITS>                          75,934
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     13,339
<INVESTMENTS-CARRYING>                          19,340
<INVESTMENTS-MARKET>                            19,010
<LOANS>                                         72,326
<ALLOWANCE>                                      1,002
<TOTAL-ASSETS>                                 105,802
<DEPOSITS>                                      91,346
<SHORT-TERM>                                     2,179
<LIABILITIES-OTHER>                                393
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        11,657
<OTHER-SE>                                         238
<TOTAL-LIABILITIES-AND-EQUITY>                 105,802
<INTEREST-LOAN>                                  6,362
<INTEREST-INVEST>                                1,147
<INTEREST-OTHER>                                   179
<INTEREST-TOTAL>                                     0
<INTEREST-DEPOSIT>                               3,547
<INTEREST-EXPENSE>                               3,643
<INTEREST-INCOME-NET>                            4,044
<LOAN-LOSSES>                                      855
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  4,447
<INCOME-PRETAX>                                   (673)
<INCOME-PRE-EXTRAORDINARY>                        (413)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      (413)
<EPS-BASIC>                                      (0.39)
<EPS-DILUTED>                                    (0.39)
<YIELD-ACTUAL>                                    4.40
<LOANS-NON>                                        860
<LOANS-PAST>                                         6
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  7,340
<ALLOWANCE-OPEN>                                 1,400
<CHARGE-OFFS>                                    1,512
<RECOVERIES>                                       259
<ALLOWANCE-CLOSE>                                1,002
<ALLOWANCE-DOMESTIC>                             1,002
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,002