<ARTICLE> 9 <CIK> 0000764402 <NAME> Greene County Bancshares, Inc. <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> JUN-30-1999 <CASH> 20,262 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 29,465 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 25,528 <INVESTMENTS-CARRYING> 3,430 <INVESTMENTS-MARKET> 3,430 <LOANS> 498,647 <ALLOWANCE> 10,417 <TOTAL-ASSETS> 597,006 <DEPOSITS> 506,066 <SHORT-TERM> 5,308 <LIABILITIES-OTHER> 10,302 <LONG-TERM> 16,462 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 13,586 <OTHER-SE> 45,282 <TOTAL-LIABILITIES-AND-EQUITY> 597,006 <INTEREST-LOAN> 25,819 <INTEREST-INVEST> 758 <INTEREST-OTHER> 661 <INTEREST-TOTAL> 27,238 <INTEREST-DEPOSIT> 9,293 <INTEREST-EXPENSE> 9,682 <INTEREST-INCOME-NET> 17,556 <LOAN-LOSSES> 1,550 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 11,430 <INCOME-PRETAX> 7,600 <INCOME-PRE-EXTRAORDINARY> 7,600 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,943 <EPS-BASIC> 3.64 <EPS-DILUTED> 3.61 <YIELD-ACTUAL> 6.42 <LOANS-NON> 3,585 <LOANS-PAST> 1,281 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 10,380 <ALLOWANCE-OPEN> 10,253 <CHARGE-OFFS> 1,874 <RECOVERIES> 488 <ALLOWANCE-CLOSE> 10,417 <ALLOWANCE-DOMESTIC> 10,417 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0