<TABLE> <S> <C>

<ARTICLE>                                            9
<LEGEND>
     This schedule contains summary information extracted from the Form 10-Q and
is qualified in its entirety by reference to such financial statements.
</LEGEND>
<CIK>                         0001082735
<NAME>                        Greater Atlantic Financial Corp.
<MULTIPLIER>                                   1,000
<CURRENCY>                                     U.S. Dollars

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                              SEP-30-1999
<PERIOD-START>                                 JUL-01-1999
<PERIOD-END>                                   JUN-30-1999
<EXCHANGE-RATE>                                          1
<CASH>                                               1,358
<INT-BEARING-DEPOSITS>                                 787
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         55,337
<INVESTMENTS-CARRYING>                              34,395
<INVESTMENTS-MARKET>                                34,188
<LOANS>                                             58,121
<ALLOWANCE>                                            600
<TOTAL-ASSETS>                                     156,456
<DEPOSITS>                                         125,918
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                                  1,537
<LONG-TERM>                                          5,000
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                28
<OTHER-SE>                                          23,973
<TOTAL-LIABILITIES-AND-EQUITY>                     156,456
<INTEREST-LOAN>                                      2,817
<INTEREST-INVEST>                                    3,326
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                     6,143
<INTEREST-DEPOSIT>                                   3,845
<INTEREST-EXPENSE>                                   4,449
<INTEREST-INCOME-NET>                                1,694
<LOAN-LOSSES>                                           24
<SECURITIES-GAINS>                                       9
<EXPENSE-OTHER>                                      6,636
<INCOME-PRETAX>                                        585
<INCOME-PRE-EXTRAORDINARY>                             585
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           471
<EPS-BASIC>                                          .57
<EPS-DILUTED>                                          .57
<YIELD-ACTUAL>                                        6.90
<LOANS-NON>                                            152
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                       578
<CHARGE-OFFS>                                           12
<RECOVERIES>                                            10
<ALLOWANCE-CLOSE>                                      600
<ALLOWANCE-DOMESTIC>                                   565
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                 35


</TABLE>