<TABLE> <S> <C>


<ARTICLE>                     9
<LEGEND>
       This schedule contains summary information extracted from the Mason-Dixon
Bancshares,  Inc.  March 31, 1999  financial  statements and is qualified in its
entirety by reference to such financial statements.
</LEGEND>
<CIK>                         0000879558
<NAME>                        MASON-DIXON
<MULTIPLIER>                                   1
<CURRENCY>                                     U.S. DOLLARS
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-END>                                   MAR-31-1999
<EXCHANGE-RATE>                                1      
<CASH>                                          22,442,000
<INT-BEARING-DEPOSITS>                           2,058,000
<FED-FUNDS-SOLD>                                 4,948,000
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                    183,267,000
<INVESTMENTS-CARRYING>                         601,873,000
<INVESTMENTS-MARKET>                           604,685,000
<LOANS>                                        505,275,000
<ALLOWANCE>                                     10,019,000
<TOTAL-ASSETS>                               1,186,780,000
<DEPOSITS>                                     706,631,000
<SHORT-TERM>                                    61,905,000
<LIABILITIES-OTHER>                              9,924,000
<LONG-TERM>                                    326,396,000
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                         5,073,000
<OTHER-SE>                                         132,795
<TOTAL-LIABILITIES-AND-EQUITY>               1,186,780,000
<INTEREST-LOAN>                                 12,567,000
<INTEREST-INVEST>                                1,379,937
<INTEREST-OTHER>                                   171,061
<INTEREST-TOTAL>                                22,108,000
<INTEREST-DEPOSIT>                               6,245,000
<INTEREST-EXPENSE>                              11,762,000
<INTEREST-INCOME-NET>                           10,346,000
<LOAN-LOSSES>                                      264,000
<SECURITIES-GAINS>                                 147,000
<EXPENSE-OTHER>                                  9,225,000
<INCOME-PRETAX>                                  2,527,000
<INCOME-PRE-EXTRAORDINARY>                       2,527,000
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                     2,527,000
<EPS-PRIMARY>                                         0.50
<EPS-DILUTED>                                         0.50
<YIELD-ACTUAL>                                        4.06
<LOANS-NON>                                      7,157,000
<LOANS-PAST>                                       340,000
<LOANS-TROUBLED>                                   820,000
<LOANS-PROBLEM>                                 13,889,373
<ALLOWANCE-OPEN>                                 8,893,000
<CHARGE-OFFS>                                    1,070,000
<RECOVERIES>                                       210,000
<ALLOWANCE-CLOSE>                               10,019,000
<ALLOWANCE-DOMESTIC>                            10,019,000
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
        



</TABLE>