<TABLE> <S> <C>

<ARTICLE>                                         9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
BERKSHIRE BANCORP INC. QUARTERLY REPORT ON FORM 10-Q FOR THE QUARTERLY PERIOD
ENDED APRIL 30, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                           1,000

<S>                                                    <C>
<PERIOD-TYPE>                                          6-MOS
<FISCAL-YEAR-END>                                      OCT-31-1999
<PERIOD-END>                                           APR-30-1999
<CASH>                                                   3,138
<INT-BEARING-DEPOSITS>                                   5,333
<FED-FUNDS-SOLD>                                        25,000
<TRADING-ASSETS>                                             0
<INVESTMENTS-HELD-FOR-SALE>                             96,017
<INVESTMENTS-CARRYING>                                 100,220
<INVESTMENTS-MARKET>                                   100,245
<LOANS>                                                 43,885
<ALLOWANCE>                                                855
<TOTAL-ASSETS>                                         193,908
<DEPOSITS>                                              95,849
<SHORT-TERM>                                                 0
<LIABILITIES-OTHER>                                     11,990
<LONG-TERM>                                              1,500
<COMMON>                                                   256
<PREFERRED-MANDATORY>                                        0
<PREFERRED>                                                  0
<OTHER-SE>                                              84,313
<TOTAL-LIABILITIES-AND-EQUITY>                         193,908
<INTEREST-LOAN>                                          1,122
<INTEREST-INVEST>                                        1,647
<INTEREST-OTHER>                                           839
<INTEREST-TOTAL>                                         3,608
<INTEREST-DEPOSIT>                                       1,282
<INTEREST-EXPENSE>                                          29
<INTEREST-INCOME-NET>                                    2,297
<LOAN-LOSSES>                                               20
<SECURITIES-GAINS>                                       1,653
<EXPENSE-OTHER>                                          1,019
<INCOME-PRETAX>                                          2,235
<INCOME-PRE-EXTRAORDINARY>                               2,235
<EXTRAORDINARY>                                              0
<CHANGES>                                                    0
<NET-INCOME>                                             1,235
<EPS-BASIC>                                              .58
<EPS-DILUTED>                                              .55
<YIELD-ACTUAL>                                            4.09
<LOANS-NON>                                                  0
<LOANS-PAST>                                                 0
<LOANS-TROUBLED>                                             0
<LOANS-PROBLEM>                                              0
<ALLOWANCE-OPEN>                                           797
<CHARGE-OFFS>                                                0
<RECOVERIES>                                                 0
<ALLOWANCE-CLOSE>                                          885
<ALLOWANCE-DOMESTIC>                                       885
<ALLOWANCE-FOREIGN>                                          0
<ALLOWANCE-UNALLOCATED>                                    885