<TABLE> <S> <C>


<ARTICLE>                                                                      9
<CIK>                                                                 0000760731
<NAME>           PIONEER AMERICAN HOLDING CO.
<MULTIPLIER>                                                               1,000
<CURRENCY>                                                            US DOLLARS

<S>                                                                 <C>
<PERIOD-TYPE>                                                              6-MOS
<FISCAL-YEAR-END>                                                    DEC-31-1999
<PERIOD-START>                                                       JAN-01-1999
<PERIOD-END>                                                         JUN-30-1999
<EXCHANGE-RATE>                                                            1.000
<CASH>                                                                    14,989
<INT-BEARING-DEPOSITS>                                                         0
<FED-FUNDS-SOLD>                                                           2,250
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                              116,555
<INVESTMENTS-CARRYING>                                                    38,962
<INVESTMENTS-MARKET>                                                      38,561
<LOANS>                                                                  241,317
<ALLOWANCE>                                                                2,976
<TOTAL-ASSETS>                                                           425,993
<DEPOSITS>                                                               306,622
<SHORT-TERM>                                                                   0
<LIABILITIES-OTHER>                                                        4,481
<LONG-TERM>                                                               81,408
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                   2,926
<OTHER-SE>                                                                30,556
<TOTAL-LIABILITIES-AND-EQUITY>                                           425,993
<INTEREST-LOAN>                                                            9,734
<INTEREST-INVEST>                                                          4,702
<INTEREST-OTHER>                                                             151
<INTEREST-TOTAL>                                                          14,587
<INTEREST-DEPOSIT>                                                         5,356
<INTEREST-EXPENSE>                                                         7,466
<INTEREST-INCOME-NET>                                                      7,121
<LOAN-LOSSES>                                                                185
<SECURITIES-GAINS>                                                            88
<EXPENSE-OTHER>                                                            5,738
<INCOME-PRETAX>                                                            2,602
<INCOME-PRE-EXTRAORDINARY>                                                 1,922
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                               1,922
<EPS-BASIC>                                                               0.66
<EPS-DILUTED>                                                               0.65
<YIELD-ACTUAL>                                                              3.44
<LOANS-NON>                                                                1,522
<LOANS-PAST>                                                                 941
<LOANS-TROUBLED>                                                           1,040
<LOANS-PROBLEM>                                                              537
<ALLOWANCE-OPEN>                                                           2,909
<CHARGE-OFFS>                                                                140
<RECOVERIES>                                                                  22
<ALLOWANCE-CLOSE>                                                          2,976
<ALLOWANCE-DOMESTIC>                                                       2,161
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                      815



</TABLE>