<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     This schedule  contains summary  financial  information  extracted from the
Registrant's  unaudited  consolidated  financial statements for the three months
ended March 31, 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>                           3-mos
<FISCAL-YEAR-END>                                         DEC-31-1999
<PERIOD-START>                                            JAN-1-1999
<PERIOD-END>                                              MAR-31-1999
<EXCHANGE-RATE>                                           1.000
<CASH>                                                    1,892
<INT-BEARING-DEPOSITS>                                    6,834
<FED-FUNDS-SOLD>                                              0
<TRADING-ASSETS>                                              0
<INVESTMENTS-HELD-FOR-SALE>                             166,690
<INVESTMENTS-CARRYING>                                      750
<INVESTMENTS-MARKET>                                        754
<LOANS>                                                 212,558
<ALLOWANCE>                                               1,542
<TOTAL-ASSETS>                                          404,751
<DEPOSITS>                                              206,483
<SHORT-TERM>                                              5,414
<LIABILITIES-OTHER>                                       4,174
<LONG-TERM>                                              82,163
<COMMON>                                                 68,876
<PREFERRED-MANDATORY>                                         0
<PREFERRED>                                                   0
<OTHER-SE>                                               37,641
<TOTAL-LIABILITIES-AND-EQUITY>                          404,751
<INTEREST-LOAN>                                           3,986
<INTEREST-INVEST>                                         2,273
<INTEREST-OTHER>                                            215
<INTEREST-TOTAL>                                          6,474
<INTEREST-DEPOSIT>                                        2,461
<INTEREST-EXPENSE>                                        3,128
<INTEREST-INCOME-NET>                                     3,346
<LOAN-LOSSES>                                                31
<SECURITIES-GAINS>                                            3
<EXPENSE-OTHER>                                           1,520
<INCOME-PRETAX>                                           1,945
<INCOME-PRE-EXTRAORDINARY>                                1,244
<EXTRAORDINARY>                                               0
<CHANGES>                                                     0
<NET-INCOME>                                              1,244
<EPS-PRIMARY>                                               .19
<EPS-DILUTED>                                               .19
<YIELD-ACTUAL>                                             3.75
<LOANS-NON>                                                   0
<LOANS-PAST>                                              1,216
<LOANS-TROUBLED>                                              0
<LOANS-PROBLEM>                                               0
<ALLOWANCE-OPEN>                                          1,512
<CHARGE-OFFS>                                                 0
<RECOVERIES>                                                  0
<ALLOWANCE-CLOSE>                                         1,542
<ALLOWANCE-DOMESTIC>                                      1,542
<ALLOWANCE-FOREIGN>                                           0
<ALLOWANCE-UNALLOCATED>                                       0
        



</TABLE>