<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