<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF MURFREESBORO BANCORP FOR THE SIX MONTHS ENDED JUNE 30,
1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                           1,653
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 1,411
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     15,127
<INVESTMENTS-CARRYING>                           8,870
<INVESTMENTS-MARKET>                             8,730
<LOANS>                                         51,816
<ALLOWANCE>                                        648
<TOTAL-ASSETS>                                  82,804
<DEPOSITS>                                      68,334
<SHORT-TERM>                                     5,458
<LIABILITIES-OTHER>                                433
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         9,068
<OTHER-SE>                                        (489)
<TOTAL-LIABILITIES-AND-EQUITY>                  82,804
<INTEREST-LOAN>                                  1,856
<INTEREST-INVEST>                                  725
<INTEREST-OTHER>                                    58
<INTEREST-TOTAL>                                 2,639
<INTEREST-DEPOSIT>                               1,338
<INTEREST-EXPENSE>                               1,401
<INTEREST-INCOME-NET>                            1,238
<LOAN-LOSSES>                                      175
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,049
<INCOME-PRETAX>                                    181
<INCOME-PRE-EXTRAORDINARY>                         181
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       126
<EPS-BASIC>                                       0.14
<EPS-DILUTED>                                     0.14
<YIELD-ACTUAL>                                    7.33
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   473
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  648
<ALLOWANCE-DOMESTIC>                               648
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0