<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM EAST RIDGE BANCSHARES, INC. AND SUBSIDIARY CONSOLIDATED FINANCIAL STATEMENTS AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH S-4 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> MAR-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> MAR-31-1997 <CASH> 2,479 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 2,600 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 7,428 <INVESTMENTS-CARRYING> 5,362 <INVESTMENTS-MARKET> 5,351 <LOANS> 25,016 <ALLOWANCE> 311 <TOTAL-ASSETS> 44,533 <DEPOSITS> 40,684 <SHORT-TERM> 364 <LIABILITIES-OTHER> 402 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,090 <OTHER-SE> 1,793 <TOTAL-LIABILITIES-AND-EQUITY> 44,553 <INTEREST-LOAN> 656 <INTEREST-INVEST> 177 <INTEREST-OTHER> 50 <INTEREST-TOTAL> 863 <INTEREST-DEPOSIT> 395 <INTEREST-EXPENSE> 407 <INTEREST-INCOME-NET> 463 <LOAN-LOSSES> 12 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 397 <INCOME-PRETAX> 155 <INCOME-PRE-EXTRAORDINARY> 111 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 111 <EPS-PRIMARY> 1.02 <EPS-DILUTED> 1.02 <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