<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 JULY 31, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.

</LEGEND>
<MULTIPLIER>                                           1,000

<S>                                                    <C>
<PERIOD-TYPE>                                            9-MOS
<FISCAL-YEAR-END>                                  OCT-31-1999
<PERIOD-END>                                       JUL-31-1999
<CASH>                                                   1,949
<INT-BEARING-DEPOSITS>                                   6,985
<FED-FUNDS-SOLD>                                        17,500
<TRADING-ASSETS>                                             0
<INVESTMENTS-HELD-FOR-SALE>                             91,080
<INVESTMENTS-CARRYING>                                  93,220
<INVESTMENTS-MARKET>                                   100,220
<LOANS>                                                 46,719
<ALLOWANCE>                                                875
<TOTAL-ASSETS>                                         182,975
<DEPOSITS>                                              95,702
<SHORT-TERM>                                                 0
<LIABILITIES-OTHER>                                      9,700
<LONG-TERM>                                              1,500
<COMMON>                                                   256
<PREFERRED-MANDATORY>                                        0
<PREFERRED>                                                  0
<OTHER-SE>                                              75,817
<TOTAL-LIABILITIES-AND-EQUITY>                         182,975
<INTEREST-LOAN>                                          2,027
<INTEREST-INVEST>                                        3,086
<INTEREST-OTHER>                                           901
<INTEREST-TOTAL>                                         6,014
<INTEREST-DEPOSIT>                                       1,734
<INTEREST-EXPENSE>                                          53
<INTEREST-INCOME-NET>                                    4,227
<LOAN-LOSSES>                                               30
<SECURITIES-GAINS>                                       4,614
<EXPENSE-OTHER>                                          2,465
<INCOME-PRETAX>                                          6,817
<INCOME-PRE-EXTRAORDINARY>                               6,817
<EXTRAORDINARY>                                              0
<CHANGES>                                                    0
<NET-INCOME>                                             3,732
<EPS-BASIC>                                             1.76
<EPS-DILUTED>                                             1.65
<YIELD-ACTUAL>                                            4.21
<LOANS-NON>                                                  0
<LOANS-PAST>                                                 0
<LOANS-TROUBLED>                                             0
<LOANS-PROBLEM>                                              0
<ALLOWANCE-OPEN>                                           803
<CHARGE-OFFS>                                               36
<RECOVERIES>                                                67
<ALLOWANCE-CLOSE>                                          875
<ALLOWANCE-DOMESTIC>                                       875
<ALLOWANCE-FOREIGN>                                          0
<ALLOWANCE-UNALLOCATED>                                    875