<TABLE> <S> <C>


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

<S>                                                                 <C>
<PERIOD-TYPE>                                                              9-MOS
<FISCAL-YEAR-END>                                                    DEC-31-1999
<PERIOD-START>                                                       JAN-01-1999
<PERIOD-END>                                                         SEP-30-1999
<EXCHANGE-RATE>                                                            1.000
<CASH>                                                                    13,419
<INT-BEARING-DEPOSITS>                                                         0
<FED-FUNDS-SOLD>                                                           2,425
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                              115,547
<INVESTMENTS-CARRYING>                                                    37,444
<INVESTMENTS-MARKET>                                                      36,750
<LOANS>                                                                  240,566
<ALLOWANCE>                                                                3,000
<TOTAL-ASSETS>                                                           421,854
<DEPOSITS>                                                               304,632
<SHORT-TERM>                                                                   0
<LIABILITIES-OTHER>                                                        4,907
<LONG-TERM>                                                               80,409
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                   2,935
<OTHER-SE>                                                                28,971
<TOTAL-LIABILITIES-AND-EQUITY>                                           421,854
<INTEREST-LOAN>                                                           14,642
<INTEREST-INVEST>                                                          7,110
<INTEREST-OTHER>                                                             198
<INTEREST-TOTAL>                                                          21,950
<INTEREST-DEPOSIT>                                                         7,918
<INTEREST-EXPENSE>                                                        11,164
<INTEREST-INCOME-NET>                                                     10,786
<LOAN-LOSSES>                                                                280
<SECURITIES-GAINS>                                                            88
<EXPENSE-OTHER>                                                            8,456
<INCOME-PRETAX>                                                            4,166
<INCOME-PRE-EXTRAORDINARY>                                                 3,056
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                               3,056
<EPS-BASIC>                                                               1.05
<EPS-DILUTED>                                                               1.04
<YIELD-ACTUAL>                                                              3.63
<LOANS-NON>                                                                1,533
<LOANS-PAST>                                                                 986
<LOANS-TROUBLED>                                                           1,213
<LOANS-PROBLEM>                                                              561
<ALLOWANCE-OPEN>                                                           2,909
<CHARGE-OFFS>                                                                216
<RECOVERIES>                                                                  27
<ALLOWANCE-CLOSE>                                                          3,000
<ALLOWANCE-DOMESTIC>                                                       2,531
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                      469



</TABLE>