<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF BEACH FIRST NATIONAL BANCSHARES, INC. FOR THE THREE
MONTHS ENDED MARCH 31, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                       1,674,951
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                               780,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  9,549,438
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     23,321,275
<ALLOWANCE>                                    288,268
<TOTAL-ASSETS>                              37,387,064
<DEPOSITS>                                  30,802,156
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            171,002
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       735,868
<OTHER-SE>                                   5,678,038
<TOTAL-LIABILITIES-AND-EQUITY>              37,387,064
<INTEREST-LOAN>                                501,259
<INTEREST-INVEST>                              170,659
<INTEREST-OTHER>                                 8,630
<INTEREST-TOTAL>                               680,548
<INTEREST-DEPOSIT>                             326,591
<INTEREST-EXPENSE>                             328,923
<INTEREST-INCOME-NET>                          351,625
<LOAN-LOSSES>                                   31,168
<SECURITIES-GAINS>                             (12,857)
<EXPENSE-OTHER>                                358,080
<INCOME-PRETAX>                                (14,564)
<INCOME-PRE-EXTRAORDINARY>                     (14,564)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   (11,515)
<EPS-PRIMARY>                                      .02
<EPS-DILUTED>                                      .02
<YIELD-ACTUAL>                                    4.23
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               263,215
<CHARGE-OFFS>                                    6,115
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              288,268
<ALLOWANCE-DOMESTIC>                           288,268
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>