<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF CORNERSTONE BANCSHARES, INC. FOR THE SIX MONTHS ENDED
JUNE 30, 1998 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                       5,455,469
<INT-BEARING-DEPOSITS>                          11,384
<FED-FUNDS-SOLD>                             2,855,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 12,122,160
<INVESTMENTS-CARRYING>                      12,983,804
<INVESTMENTS-MARKET>                        12,963,080
<LOANS>                                     69,727,755
<ALLOWANCE>                                          0
<TOTAL-ASSETS>                             109,803,623
<DEPOSITS>                                  97,796,669
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            329,460
<LONG-TERM>                                    855,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     1,009,461
<OTHER-SE>                                   9,497,374
<TOTAL-LIABILITIES-AND-EQUITY>             109,803,623
<INTEREST-LOAN>                              3,171,520
<INTEREST-INVEST>                              665,950
<INTEREST-OTHER>                               137,080
<INTEREST-TOTAL>                             3,974,550
<INTEREST-DEPOSIT>                           2,038,131
<INTEREST-EXPENSE>                           2,075,241
<INTEREST-INCOME-NET>                        1,776,117
<LOAN-LOSSES>                                  123,192
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,669,167
<INCOME-PRETAX>                                501,784
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   262,308
<EPS-PRIMARY>                                      .26
<EPS-DILUTED>                                      .26
<YIELD-ACTUAL>                                    8.68
<LOANS-NON>                                     29,000
<LOANS-PAST>                                   498,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               915,000
<CHARGE-OFFS>                                  106,000
<RECOVERIES>                                    62,000
<ALLOWANCE-CLOSE>                              994,000
<ALLOWANCE-DOMESTIC>                           994,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0