<ARTICLE> 9 <LEGEND> This schedule contains summary financial information extracted from the consolidated balance sheets of Summit Bancshares, Inc., as of March 31, 1999, and the related statements of income, changes in shareholders' equity and cash flows for the period ending March 31, 1999 and is qualified in its entirety by reference to such financial statements. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> MAR-31-1999 <CASH> 23,371 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 16,800 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 117,953 <INVESTMENTS-CARRYING> 148,297 <INVESTMENTS-MARKET> 148,377 <LOANS> 318,795 <ALLOWANCE> 4,749 <TOTAL-ASSETS> 521,258 <DEPOSITS> 455,383 <SHORT-TERM> 16,533 <LIABILITIES-OTHER> 2,770 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 8,133 <OTHER-SE> 38,439 <TOTAL-LIABILITIES-AND-EQUITY> 521,258 <INTEREST-LOAN> 7,009 <INTEREST-INVEST> 2,082 <INTEREST-OTHER> 303 <INTEREST-TOTAL> 9,394 <INTEREST-DEPOSIT> 3,094 <INTEREST-EXPENSE> 3,254 <INTEREST-INCOME-NET> 6,140 <LOAN-LOSSES> 220 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,738 <INCOME-PRETAX> 3,213 <INCOME-PRE-EXTRAORDINARY> 2,096 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,096 <EPS-PRIMARY> .33 <EPS-DILUTED> .31 <YIELD-ACTUAL> 5.16 <LOANS-NON> 4,207 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 9,597 <ALLOWANCE-OPEN> 4,724 <CHARGE-OFFS> 234 <RECOVERIES> 39 <ALLOWANCE-CLOSE> 4,749 <ALLOWANCE-DOMESTIC> 4,749 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0