<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     (Replace this text with the legend)
</LEGEND>
<CIK>                                          0000760731                 
<NAME>                            Pioneer American Holding Company, Corp.   
<MULTIPLIER>                                   1,000
<CURRENCY>                                     US Dollars
       
<S>                             <C>
<PERIOD-TYPE>                                     3-Mos
<FISCAL-YEAR-END>                              Dec-31-1999
<PERIOD-START>                                 Jan-01-1999
<PERIOD-END>                                   Mar-31-1999
<EXCHANGE-RATE>                                1.000
<CASH>                                         13,099
<INT-BEARING-DEPOSITS>                         0
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    122,181
<INVESTMENTS-CARRYING>                         42,802
<INVESTMENTS-MARKET>                           43,210
<LOANS>                                        237,612
<ALLOWANCE>                                    2,864
<TOTAL-ASSETS>                                 426,868
<DEPOSITS>                                     305,407
<SHORT-TERM>                                   0
<LIABILITIES-OTHER>                            4,167
<LONG-TERM>                                    82,390
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       2,926
<OTHER-SE>                                     31,978
<TOTAL-LIABILITIES-AND-EQUITY>                 426,868
<INTEREST-LOAN>                                4,812
<INTEREST-INVEST>                              2,291
<INTEREST-OTHER>                               82
<INTEREST-TOTAL>                               7,185
<INTEREST-DEPOSIT>                             2,729
<INTEREST-EXPENSE>                             3,697
<INTEREST-INCOME-NET>                          3,488
<LOAN-LOSSES>                                  75
<SECURITIES-GAINS>                             0
<EXPENSE-OTHER>                                2,873
<INCOME-PRETAX>                                1,183
<INCOME-PRE-EXTRAORDINARY>                     883
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   883
<EPS-PRIMARY>                                  .30
<EPS-DILUTED>                                  .30
<YIELD-ACTUAL>                                 3.36
<LOANS-NON>                                    1,497
<LOANS-PAST>                                   993
<LOANS-TROUBLED>                               1,043
<LOANS-PROBLEM>                                236
<ALLOWANCE-OPEN>                               2,909
<CHARGE-OFFS>                                  123
<RECOVERIES>                                   3
<ALLOWANCE-CLOSE>                              2,864
<ALLOWANCE-DOMESTIC>                           1,595
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        1,269
        



</TABLE>