<TABLE> <S> <C>

<ARTICLE>                     9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
BERKSHIRE BANCORP INC. ANNUAL REPORT ON FORM 10-K FOR THE FISCAL YEAR ENDED
OCTOBER 31, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER>                                           1,000

<S>                                                    <C>
<PERIOD-TYPE>                                          YEAR
<FISCAL-YEAR-END>                                      OCT-31-1999
<PERIOD-END>                                           OCT-31-1999
<CASH>                                                       2,333
<INT-BEARING-DEPOSITS>                                       3,496
<FED-FUNDS-SOLD>                                            18,000
<TRADING-ASSETS>                                                 0
<INVESTMENTS-HELD-FOR-SALE>                                 80,775
<INVESTMENTS-CARRYING>                                       2,101
<INVESTMENTS-MARKET>                                         2,099
<LOANS>                                                     60,557
<ALLOWANCE>                                                    905
<TOTAL-ASSETS>                                             180,986
<DEPOSITS>                                                 102,318
<SHORT-TERM>                                                     0
<LIABILITIES-OTHER>                                          3,862
<LONG-TERM>                                                  1,500
<COMMON>                                                       256
<PREFERRED-MANDATORY>                                            0
<PREFERRED>                                                      0
<OTHER-SE>                                                  73,050
<TOTAL-LIABILITIES-AND-EQUITY>                             180,986
<INTEREST-LOAN>                                              3,145
<INTEREST-INVEST>                                            4,415
<INTEREST-OTHER>                                               965
<INTEREST-TOTAL>                                             8,525
<INTEREST-DEPOSIT>                                           2,473
<INTEREST-EXPENSE>                                           2,548
<INTEREST-INCOME-NET>                                        5,977
<LOAN-LOSSES>                                                    0
<SECURITIES-GAINS>                                           7,622
<EXPENSE-OTHER>                                              3,556
<INCOME-PRETAX>                                             10,631
<INCOME-PRE-EXTRAORDINARY>                                  10,631
<EXTRAORDINARY>                                                  0
<CHANGES>                                                        0
<NET-INCOME>                                                 6,540
<EPS-BASIC>                                                 3.08
<EPS-DILUTED>                                                 2.89
<YIELD-ACTUAL>                                                4.10
<LOANS-NON>                                                    121
<LOANS-PAST>                                                     0
<LOANS-TROUBLED>                                                 0
<LOANS-PROBLEM>                                                  0
<ALLOWANCE-OPEN>                                                 0
<CHARGE-OFFS>                                                    0
<RECOVERIES>                                                    69
<ALLOWANCE-CLOSE>                                              905
<ALLOWANCE-DOMESTIC>                                           905
<ALLOWANCE-FOREIGN>                                              0
<ALLOWANCE-UNALLOCATED>                                          0