<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF MURFREESBORO BANCORP FOR THE QUARTER ENDED JUNE 30, 2000
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                           2,107
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 1,850
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     16,413
<INVESTMENTS-CARRYING>                           8,852
<INVESTMENTS-MARKET>                             8,591
<LOANS>                                         72,268
<ALLOWANCE>                                        903
<TOTAL-ASSETS>                                 108,517
<DEPOSITS>                                      91,388
<SHORT-TERM>                                     4,460
<LIABILITIES-OTHER>                                882
<LONG-TERM>                                      3,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         9,068
<OTHER-SE>                                        (281)
<TOTAL-LIABILITIES-AND-EQUITY>                 108,517
<INTEREST-LOAN>                                  3,072
<INTEREST-INVEST>                                  757
<INTEREST-OTHER>                                    50
<INTEREST-TOTAL>                                 3,879
<INTEREST-DEPOSIT>                               2,104
<INTEREST-EXPENSE>                               2,354
<INTEREST-INCOME-NET>                            1,525
<LOAN-LOSSES>                                       93
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,556
<INCOME-PRETAX>                                     88
<INCOME-PRE-EXTRAORDINARY>                          88
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                        88
<EPS-BASIC>                                       0.10
<EPS-DILUTED>                                     0.09
<YIELD-ACTUAL>                                    8.14
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   817
<CHARGE-OFFS>                                        8
<RECOVERIES>                                         1
<ALLOWANCE-CLOSE>                                  903
<ALLOWANCE-DOMESTIC>                               903
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            903