<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.com, Inc.

<S>                                                                  <C>
<PERIOD-TYPE>                                                        12-MOS
<FISCAL-YEAR-END>                                                 DEC-31-1999
<PERIOD-END>                                                      DEC-31-1999
<CASH>                                                                  3,813
<INT-BEARING-DEPOSITS>                                                    821
<FED-FUNDS-SOLD>                                                            0
<TRADING-ASSETS>                                                            0
<INVESTMENTS-HELD-FOR-SALE>                                            37,478
<INVESTMENTS-CARRYING>                                                 60,337
<INVESTMENTS-MARKET>                                                   55,595
<LOANS>                                                               197,623
<ALLOWANCE>                                                             2,115
<TOTAL-ASSETS>                                                        323,335
<DEPOSITS>                                                            255,038
<SHORT-TERM>                                                                0
<LIABILITIES-OTHER>                                                     5,369
<LONG-TERM>                                                            45,000
<PREFERRED-MANDATORY>                                                       0
<PREFERRED>                                                                 0
<COMMON>                                                                5,640
<OTHER-SE>                                                             12,288
<TOTAL-LIABILITIES-AND-EQUITY>                                        323,335
<INTEREST-LOAN>                                                        14,609
<INTEREST-INVEST>                                                       6,934
<INTEREST-OTHER>                                                          327
<INTEREST-TOTAL>                                                       21,870
<INTEREST-DEPOSIT>                                                     10,671
<INTEREST-EXPENSE>                                                     13,110
<INTEREST-INCOME-NET>                                                   8,760
<LOAN-LOSSES>                                                           1,175
<SECURITIES-GAINS>                                                         31
<EXPENSE-OTHER>                                                        12,430
<INCOME-PRETAX>                                                        (3,078)
<INCOME-PRE-EXTRAORDINARY>                                             (3,078)
<EXTRAORDINARY>                                                             0
<CHANGES>                                                                   0
<NET-INCOME>                                                           (2,490)
<EPS-BASIC>                                                           (0.54)
<EPS-DILUTED>                                                           (0.54)
<YIELD-ACTUAL>                                                           9.30
<LOANS-NON>                                                             1,266
<LOANS-PAST>                                                            1,940
<LOANS-TROUBLED>                                                            0
<LOANS-PROBLEM>                                                             0
<ALLOWANCE-OPEN>                                                        1,051
<CHARGE-OFFS>                                                           (141)
<RECOVERIES>                                                               30
<ALLOWANCE-CLOSE>                                                       2,115
<ALLOWANCE-DOMESTIC>                                                    2,115
<ALLOWANCE-FOREIGN>                                                         0
<ALLOWANCE-UNALLOCATED>                                                     0



</TABLE>