<TABLE> <S> <C>


<ARTICLE>                     9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS INCLUDED IN THE REPORT TO WHICH THIS SCHEDULE RELATES AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<CIK>       0000945532                  
<NAME>     USABANCSHARES, INC.                  
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-END>                                   DEC-31-1998
<CASH>                                               1,335
<INT-BEARING-DEPOSITS>                               7,706
<FED-FUNDS-SOLD>                                         0   
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         28,389
<INVESTMENTS-CARRYING>                              15,755
<INVESTMENTS-MARKET>                                15,951
<LOANS>                                            103,305
<ALLOWANCE>                                          1,051
<TOTAL-ASSETS>                                     165,106
<DEPOSITS>                                         114,387
<SHORT-TERM>                                         5,000
<LIABILITIES-OTHER>                                  1,817
<LONG-TERM>                                         30,305
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                             2,116
<OTHER-SE>                                          11,481
<TOTAL-LIABILITIES-AND-EQUITY>                     165,106
<INTEREST-LOAN>                                      9,028
<INTEREST-INVEST>                                    3,324
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                    12,352
<INTEREST-DEPOSIT>                                   5,266
<INTEREST-EXPENSE>                                   6,454
<INTEREST-INCOME-NET>                                5,898
<LOAN-LOSSES>                                          510
<SECURITIES-GAINS>                                     378
<EXPENSE-OTHER>                                      3,700
<INCOME-PRETAX>                                      2,447
<INCOME-PRE-EXTRAORDINARY>                           2,447
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         1,490
<EPS-PRIMARY>                                         0.75
<EPS-DILUTED>                                         0.70
<YIELD-ACTUAL>                                       10.20      
<LOANS-NON>                                          1,804
<LOANS-PAST>                                           152
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                       568
<CHARGE-OFFS>                                           44  
<RECOVERIES>                                            16 
<ALLOWANCE-CLOSE>                                    1,051
<ALLOWANCE-DOMESTIC>                                 1,039
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                 12  

        


</TABLE>