<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  September  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>                                             9-mos
<FISCAL-YEAR-END>                                         DEC-31-1999
<PERIOD-START>                                            JAN-1-1999
<PERIOD-END>                                              SEP-30-1999
<EXCHANGE-RATE>                                           1.000
<CASH>                                                    1,746
<INT-BEARING-DEPOSITS>                                    4,238
<FED-FUNDS-SOLD>                                              0
<TRADING-ASSETS>                                              0
<INVESTMENTS-HELD-FOR-SALE>                             150,114
<INVESTMENTS-CARRYING>                                      500
<INVESTMENTS-MARKET>                                       501
<LOANS>                                                 229,053
<ALLOWANCE>                                               1,718
<TOTAL-ASSETS>                                          404,295
<DEPOSITS>                                              207,597
<SHORT-TERM>                                             18,415
<LIABILITIES-OTHER>                                       4,418
<LONG-TERM>                                              82,162
<COMMON>                                                 61,890
<PREFERRED-MANDATORY>                                         0
<PREFERRED>                                                   0
<OTHER-SE>                                               29,812
<TOTAL-LIABILITIES-AND-EQUITY>                          404,295
<INTEREST-LOAN>                                          12,413
<INTEREST-INVEST>                                         7,580
<INTEREST-OTHER>                                            533
<INTEREST-TOTAL>                                         20,526
<INTEREST-DEPOSIT>                                        7,171
<INTEREST-EXPENSE>                                       10,186
<INTEREST-INCOME-NET>                                    10,340
<LOAN-LOSSES>                                               290
<SECURITIES-GAINS>                                          (4)
<EXPENSE-OTHER>                                           5,239
<INCOME-PRETAX>                                           5,257
<INCOME-PRE-EXTRAORDINARY>                                5,257
<EXTRAORDINARY>                                               0
<CHANGES>                                                     0
<NET-INCOME>                                              3,402
<EPS-BASIC>                                               .54
<EPS-DILUTED>                                               .54
<YIELD-ACTUAL>                                             3.61
<LOANS-NON>                                               1,039
<LOANS-PAST>                                                345
<LOANS-TROUBLED>                                              0
<LOANS-PROBLEM>                                               0
<ALLOWANCE-OPEN>                                          1,512
<CHARGE-OFFS>                                                84
<RECOVERIES>                                                  0
<ALLOWANCE-CLOSE>                                         1,718
<ALLOWANCE-DOMESTIC>                                      1,718
<ALLOWANCE-FOREIGN>                                           0
<ALLOWANCE-UNALLOCATED>                                       0


</TABLE>