<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF GREENE COUNTY BANCSHARES INC. FOR THE THREE MONTHS
ENDED MARCH 31, 1996, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               MAR-31-1996
<EXCHANGE-RATE>                                      1
<CASH>                                          15,165
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                19,779
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     56,073
<INVESTMENTS-CARRYING>                          10,351
<INVESTMENTS-MARKET>                            10,153
<LOANS>                                        332,038
<ALLOWANCE>                                      5,195
<TOTAL-ASSETS>                                 450,783
<DEPOSITS>                                     389,618
<SHORT-TERM>                                     4,016
<LIABILITIES-OTHER>                              6,912
<LONG-TERM>                                      6,320
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         4,462
<OTHER-SE>                                      38,603
<TOTAL-LIABILITIES-AND-EQUITY>                 449,931
<INTEREST-LOAN>                                  7,922
<INTEREST-INVEST>                                1,078
<INTEREST-OTHER>                                   296
<INTEREST-TOTAL>                                 9,296
<INTEREST-DEPOSIT>                               3,865
<INTEREST-EXPENSE>                               3,977
<INTEREST-INCOME-NET>                            5,319
<LOAN-LOSSES>                                      165
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,084
<INCOME-PRETAX>                                  3,031
<INCOME-PRE-EXTRAORDINARY>                       3,031
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,966
<EPS-PRIMARY>                                     4.42
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                        617
<LOANS-PAST>                                     1,148
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,654
<CHARGE-OFFS>                                      278
<RECOVERIES>                                       214
<ALLOWANCE-CLOSE>                                5,195
<ALLOWANCE-DOMESTIC>                             5,195
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0