<ARTICLE> 9 <CIK> 0001049535 <NAME> CAVALRY BANCORP, INC. <MULTIPLIER> 1000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> SEP-30-1999 <CASH> 11,421 <INT-BEARING-DEPOSITS> 44,263 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 40,923 <INVESTMENTS-CARRYING> 714 <INVESTMENTS-MARKET> 704 <LOANS> 277,293 <ALLOWANCE> 3,827 <TOTAL-ASSETS> 390,875 <DEPOSITS> 297,415 <SHORT-TERM> 0 <LIABILITIES-OTHER> 3,336 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 64,104 <OTHER-SE> 26,020 <TOTAL-LIABILITIES-AND-EQUITY> 390,875 <INTEREST-LOAN> 17,468 <INTEREST-INVEST> 1,798 <INTEREST-OTHER> 1,419 <INTEREST-TOTAL> 20,685 <INTEREST-DEPOSIT> 7,231 <INTEREST-EXPENSE> 7,231 <INTEREST-INCOME-NET> 13,454 <LOAN-LOSSES> 644 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 11,103 <INCOME-PRETAX> 5,838 <INCOME-PRE-EXTRAORDINARY> 5,838 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,431 <EPS-BASIC> 0.52 <EPS-DILUTED> 0.52 <YIELD-ACTUAL> 5.14 <LOANS-NON> 380 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1,324 <ALLOWANCE-OPEN> 3,718 <CHARGE-OFFS> 26 <RECOVERIES> 3 <ALLOWANCE-CLOSE> 3,827 <ALLOWANCE-DOMESTIC> 3,827 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0