<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     This schedule  contains summary  financial  information  extracted from the
Registrant's  unaudited  consolidated  financial  statements for the nine months
ended  September  30, 2000 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-31-2000
<PERIOD-START>                                 JAN-1-2000
<PERIOD-END>                                   SEP-30-2000
<EXCHANGE-RATE>                                1.000
<CASH>                                         2,069
<INT-BEARING-DEPOSITS>                         5,023
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    142,713
<INVESTMENTS-CARRYING>                         500
<INVESTMENTS-MARKET>                           498
<LOANS>                                        321,707
<ALLOWANCE>                                    2,331
<TOTAL-ASSETS>                                 498,560
<DEPOSITS>                                     251,149
<SHORT-TERM>                                   76,589
<LIABILITIES-OTHER>                            6,711
<LONG-TERM>                                    67,401
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       64,348
<OTHER-SE>                                     32,363
<TOTAL-LIABILITIES-AND-EQUITY>                 498,560
<INTEREST-LOAN>                                14,688
<INTEREST-INVEST>                              7,593
<INTEREST-OTHER>                               607
<INTEREST-TOTAL>                               22,888
<INTEREST-DEPOSIT>                             7,907
<INTEREST-EXPENSE>                             12,877
<INTEREST-INCOME-NET>                          10,011
<LOAN-LOSSES>                                  168
<SECURITIES-GAINS>                             0
<EXPENSE-OTHER>                                6,688
<INCOME-PRETAX>                                3,615
<INCOME-PRE-EXTRAORDINARY>                     0
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   2,653
<EPS-BASIC>                                    .52
<EPS-DILUTED>                                  .52
<YIELD-ACTUAL>                                 3.22
<LOANS-NON>                                    1,163
<LOANS-PAST>                                   71
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                28
<ALLOWANCE-OPEN>                               0
<CHARGE-OFFS>                                  112
<RECOVERIES>                                   171
<ALLOWANCE-CLOSE>                              2,331
<ALLOWANCE-DOMESTIC>                           2,331
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        98






</TABLE>