<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF BANK OF GRANITE CORPORATION FOR THE SIX MONTHS ENDED
JUNE 30, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                      30,474,026
<INT-BEARING-DEPOSITS>                         344,181
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 86,080,318
<INVESTMENTS-CARRYING>                      82,581,056
<INVESTMENTS-MARKET>                        81,564,660
<LOANS>                                    422,630,825
<ALLOWANCE>                                  5,721,018
<TOTAL-ASSETS>                             636,725,187
<DEPOSITS>                                 490,018,101
<SHORT-TERM>                                26,943,550
<LIABILITIES-OTHER>                          3,631,475
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                    11,495,897
<OTHER-SE>                                 104,636,164
<TOTAL-LIABILITIES-AND-EQUITY>             636,725,187
<INTEREST-LOAN>                             21,294,192
<INTEREST-INVEST>                            4,587,060
<INTEREST-OTHER>                               648,426
<INTEREST-TOTAL>                            26,529,678
<INTEREST-DEPOSIT>                           8,189,604
<INTEREST-EXPENSE>                           8,698,650
<INTEREST-INCOME-NET>                       17,831,028
<LOAN-LOSSES>                                1,433,427
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              8,384,627
<INCOME-PRETAX>                             11,721,627
<INCOME-PRE-EXTRAORDINARY>                  11,721,627
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 7,748,906
<EPS-BASIC>                                       0.68
<EPS-DILUTED>                                     0.68
<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