<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF BANK OF GRANITE CORPORATION FOR THE THREE MONTHS ENDED
MARCH 31, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                      21,895,009
<INT-BEARING-DEPOSITS>                         306,202
<FED-FUNDS-SOLD>                            40,300,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 77,220,492
<INVESTMENTS-CARRYING>                      82,030,648
<INVESTMENTS-MARKET>                        80,680,202
<LOANS>                                    405,855,851
<ALLOWANCE>                                  5,199,748
<TOTAL-ASSETS>                             642,590,402
<DEPOSITS>                                 493,284,935
<SHORT-TERM>                                24,247,235
<LIABILITIES-OTHER>                         10,447,604
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                    11,495,897
<OTHER-SE>                                 103,114,731
<TOTAL-LIABILITIES-AND-EQUITY>             642,590,402
<INTEREST-LOAN>                             10,168,710
<INTEREST-INVEST>                            2,210,717
<INTEREST-OTHER>                               400,714
<INTEREST-TOTAL>                            12,780,141
<INTEREST-DEPOSIT>                           3,982,225
<INTEREST-EXPENSE>                           4,211,461
<INTEREST-INCOME-NET>                        8,568,680
<LOAN-LOSSES>                                  645,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              4,108,441
<INCOME-PRETAX>                              5,474,920
<INCOME-PRE-EXTRAORDINARY>                   5,474,920
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 3,661,476
<EPS-BASIC>                                       0.32
<EPS-DILUTED>                                     0.32
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                    0
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0