<ARTICLE> 9
<LEGEND>
This schedule  contains  summary  financial  data  extracted  from the financial
statements  of State of Franklin  Bancshares,  Inc.  for the nine  months  ended
September  30,  2000 and is  qualified  in its  entirety  by  reference  to such
financial statements.
</LEGEND>
<MULTIPLIER> 1


                                     
<PERIOD-TYPE>                           9-MOS
<FISCAL-YEAR-END>                       DEC-31-2000
<PERIOD-START>                          JAN-01-2000
<PERIOD-END>                            SEP-30-2000
<CASH>                                   4,216,953
<INT-BEARING-DEPOSITS>                     128,274
<FED-FUNDS-SOLD>                           356,000
<TRADING-ASSETS>                                 0
<INVESTMENTS-HELD-FOR-SALE>             32,213,144
<INVESTMENTS-CARRYING>                  13,989,295
<INVESTMENTS-MARKET>                    13,382,537
<LOANS>                                133,138,565
<ALLOWANCE>                               (953,887)
<TOTAL-ASSETS>                         192,041,188
<DEPOSITS>                             151,029,366
<SHORT-TERM>                            17,185,000
<LIABILITIES-OTHER>                        727,494
<LONG-TERM>                              6,833,895
<PREFERRED-MANDATORY>                            0
<PREFERRED>                                      0
<COMMON>                                 1,465,512
<OTHER-SE>                              14,799,921
<TOTAL-LIABILITIES-AND-EQUITY>         192,041,188
<INTEREST-LOAN>                          7,954,566
<INTEREST-INVEST>                        2,028,755
<INTEREST-OTHER>                                 0
<INTEREST-TOTAL>                         9,983,321
<INTEREST-DEPOSIT>                       5,309,154
<INTEREST-EXPENSE>                       6,101,217
<INTEREST-INCOME-NET>                    3,882,104
<LOAN-LOSSES>                              193,986
<SECURITIES-GAINS>                               0
<EXPENSE-OTHER>                          2,471,820
<INCOME-PRETAX>                          1,647,884
<INCOME-PRE-EXTRAORDINARY>               1,647,884
<EXTRAORDINARY>                                  0
<CHANGES>                                        0
<NET-INCOME>                             1,099,722
<EPS-BASIC>                                 .830
<EPS-DILUTED>                                 .810
<YIELD-ACTUAL>                                .030
<LOANS-NON>                                      0
<LOANS-PAST>                                19,000
<LOANS-TROUBLED>                                 0
<LOANS-PROBLEM>                                  0
<ALLOWANCE-OPEN>                           810,303
<CHARGE-OFFS>                               50,402
<RECOVERIES>                                     0
<ALLOWANCE-CLOSE>                          953,887
<ALLOWANCE-DOMESTIC>                       953,887
<ALLOWANCE-FOREIGN>                              0
<ALLOWANCE-UNALLOCATED>                          0