<TABLE> <S> <C>


<ARTICLE>                                                       9
<LEGEND>
     This schedule  contains summary  financial  information  extracted from the
Registrant's  unaudited  consolidated  financial  statements  for the six months
ended June 30,  1999 and is  qualified  in its  entirety  by  reference  to such
statements.
</LEGEND>
<CIK>                                0001070259
<NAME>                               Lincoln Bancorp
<MULTIPLIER>                                              1,000
<CURRENCY>                                                U.S. Dollars

<S>                                     <C>
<PERIOD-TYPE>                           6-mos
<FISCAL-YEAR-END>                                         DEC-31-1999
<PERIOD-START>                                            JAN-1-1999
<PERIOD-END>                                              JUN-30-1999
<EXCHANGE-RATE>                                           1.000
<CASH>                                                    2,264
<INT-BEARING-DEPOSITS>                                    3,763
<FED-FUNDS-SOLD>                                              0
<TRADING-ASSETS>                                              0
<INVESTMENTS-HELD-FOR-SALE>                             155,582
<INVESTMENTS-CARRYING>                                      500
<INVESTMENTS-MARKET>                                       502
<LOANS>                                                 222,176
<ALLOWANCE>                                               1,666
<TOTAL-ASSETS>                                          402,227
<DEPOSITS>                                              204,405
<SHORT-TERM>                                              8,415
<LIABILITIES-OTHER>                                       2,980
<LONG-TERM>                                              82,162
<COMMON>                                                 68,883
<PREFERRED-MANDATORY>                                         0
<PREFERRED>                                                   0
<OTHER-SE>                                               35,381
<TOTAL-LIABILITIES-AND-EQUITY>                          402,227
<INTEREST-LOAN>                                           8,119
<INTEREST-INVEST>                                         4,953
<INTEREST-OTHER>                                            382
<INTEREST-TOTAL>                                         13,454
<INTEREST-DEPOSIT>                                        4,817
<INTEREST-EXPENSE>                                        6,616
<INTEREST-INCOME-NET>                                     6,838
<LOAN-LOSSES>                                               231
<SECURITIES-GAINS>                                          (4)
<EXPENSE-OTHER>                                           3,324
<INCOME-PRETAX>                                           3,565
<INCOME-PRE-EXTRAORDINARY>                                3,565
<EXTRAORDINARY>                                               0
<CHANGES>                                                     0
<NET-INCOME>                                              2,257
<EPS-BASIC>                                               .35
<EPS-DILUTED>                                               .35
<YIELD-ACTUAL>                                             3.64
<LOANS-NON>                                                 968
<LOANS-PAST>                                                 40
<LOANS-TROUBLED>                                              0
<LOANS-PROBLEM>                                               0
<ALLOWANCE-OPEN>                                          1,512
<CHARGE-OFFS>                                                77
<RECOVERIES>                                                  0
<ALLOWANCE-CLOSE>                                         1,666
<ALLOWANCE-DOMESTIC>                                      1,666
<ALLOWANCE-FOREIGN>                                           0
<ALLOWANCE-UNALLOCATED>                                       0


</TABLE>