<ARTICLE>                                           7
<CIK>                         0001013266
<NAME>                        YADKIN VALLEY COMPANY
<MULTIPLIER>                                   1000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-END>                                   MAR-31-1999
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<INCOME-PRETAX>                                (46,045)
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<CHANGES>                                      0       
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<EPS-PRIMARY>                                  (.17)   
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