<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM COMMUNITY
BANCSHARES, INC. UNAUDITED FINANCIAL STATEMENTS FOR THE SIX-MONTH PERIOD ENDED
JUNE 30, 2000 AND 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
</LEGEND>
<PERIOD-TYPE> 6-MOS 6-MOS
<FISCAL-YEAR-END> DEC-31-2000 DEC-31-1999
<PERIOD-END> JUN-30-2000 JUN-30-1999
<CASH> 3,373,128 3,880,371
<INT-BEARING-DEPOSITS> 0 0
<FED-FUNDS-SOLD> 3,200,000 0
<TRADING-ASSETS> 0 0
<INVESTMENTS-HELD-FOR-SALE> 19,961,273 22,003,718
<INVESTMENTS-CARRYING> 10,796,984 1,627,909
<INVESTMENTS-MARKET> 10,725,726 1,627,861
<LOANS> 76,063,358 74,225,486
<ALLOWANCE> 1,348,537 1,159,498
<TOTAL-ASSETS> 115,633,991 103,817,337
<DEPOSITS> 95,834,744 90,382,784
<SHORT-TERM> 5,675,577 992,385
<LIABILITIES-OTHER> 1,067,607 947,740
<LONG-TERM> 0 0
<PREFERRED-MANDATORY> 0 0
<PREFERRED> 0 0
<COMMON> 4,448,652 4,398,852
<OTHER-SE> 8,607,411 7,095,576
<TOTAL-LIABILITIES-AND-EQUITY> 115,633,991 103,817,337
<INTEREST-LOAN> 3,973,632 3,726,208
<INTEREST-INVEST> 962,883 725,067
<INTEREST-OTHER> 141,305 0
<INTEREST-TOTAL> 5,077,820 4,451,275
<INTEREST-DEPOSIT> 2,120,096 1,891,730
<INTEREST-EXPENSE> 2,356,514 1,937,520
<INTEREST-INCOME-NET> 2,721,306 2,513,755
<LOAN-LOSSES> 65,000 50,000
<SECURITIES-GAINS> (26,159) 1,759
<EXPENSE-OTHER> 1,657,025 1,460,217
<INCOME-PRETAX> 1,157,025 1,166,236
<INCOME-PRE-EXTRAORDINARY> 1,157,025 1,166,236
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> 790,555 698,213
<EPS-BASIC> .53 .48
<EPS-DILUTED> .49 .43
<YIELD-ACTUAL> 4.99 5.01
<LOANS-NON> 33,500 0
<LOANS-PAST> 0 0
<LOANS-TROUBLED> 0 0
<LOANS-PROBLEM> 1,554,608 2,928,425
<ALLOWANCE-OPEN> 1,228,895 1,106,830
<CHARGE-OFFS> 20,883 10,948
<RECOVERIES> 75,525 13,616
<ALLOWANCE-CLOSE> 1,348,537 1,159,498
<ALLOWANCE-DOMESTIC> 1,320,000 1,140,000
<ALLOWANCE-FOREIGN> 0 0
<ALLOWANCE-UNALLOCATED> 28,537 19,498