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

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                       6,654,167
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             5,355,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                      19,025,344
<INVESTMENTS-MARKET>                        18,882,870
<LOANS>                                     66,250,425
<ALLOWANCE>                                  1,030,243
<TOTAL-ASSETS>                             103,261,559
<DEPOSITS>                                  91,404,714
<SHORT-TERM>                                 1,250,000
<LIABILITIES-OTHER>                            817,417
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     9,789,428
<OTHER-SE>                                           0
<TOTAL-LIABILITIES-AND-EQUITY>             103,261,559
<INTEREST-LOAN>                              3,062,752
<INTEREST-INVEST>                              653,287
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                             3,716,039
<INTEREST-DEPOSIT>                           1,805,124
<INTEREST-EXPENSE>                           1,861,316
<INTEREST-INCOME-NET>                        1,854,723
<LOAN-LOSSES>                                  655,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              2,200,502
<INCOME-PRETAX>                               (714,004)
<INCOME-PRE-EXTRAORDINARY>                    (622,397)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                  (622,397)
<EPS-BASIC>                                      (0.62)
<EPS-DILUTED>                                    (0.54)
<YIELD-ACTUAL>                                    4.07
<LOANS-NON>                                  1,052,287
<LOANS-PAST>                                     3,222
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,400,000
<CHARGE-OFFS>                                1,163,053
<RECOVERIES>                                   138,296
<ALLOWANCE-CLOSE>                            1,030,243
<ALLOWANCE-DOMESTIC>                         1,030,243
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0