<TABLE> <S> <C>

<ARTICLE>                                            9
<LEGEND>
     This schedule contains summary information extracted from the
consolidated financial statements of NS&L Bancorp, Inc. for the six months ended
March 31, 2000 and is qualified in its entirety by reference to such financial
statements.
</LEGEND>
<CIK>                         0000939929
<NAME>                        NS&L Bancorp, Inc.
<MULTIPLIER>                                   1
<CURRENCY>                                     U.S. Dollars

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                              SEP-30-2000
<PERIOD-START>                                 OCT-01-1999
<PERIOD-END>                                   MAR-31-2000
<EXCHANGE-RATE>                                1
<CASH>                                         3,238,078
<INT-BEARING-DEPOSITS>                         1,664,000
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    169,563
<INVESTMENTS-CARRYING>                         19,317,620
<INVESTMENTS-MARKET>                           18,589,638
<LOANS>                                        42,703,543
<ALLOWANCE>                                    70,910
<TOTAL-ASSETS>                                 71,601,501
<DEPOSITS>                                     50,666,744
<SHORT-TERM>                                   5,000,000
<LIABILITIES-OTHER>                            1,156,900
<LONG-TERM>                                    4,587,430
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       10,124
<OTHER-SE>                                     10,380,205
<TOTAL-LIABILITIES-AND-EQUITY>                 71,601,501
<INTEREST-LOAN>                                1,573,198
<INTEREST-INVEST>                              651,540
<INTEREST-OTHER>                               152,000
<INTEREST-TOTAL>                               2,376,745
<INTEREST-DEPOSIT>                             1,057,973
<INTEREST-EXPENSE>                             1,295,736
<INTEREST-INCOME-NET>                          1,081,009
<LOAN-LOSSES>                                  12,071
<SECURITIES-GAINS>                             0
<EXPENSE-OTHER>                                880,414
<INCOME-PRETAX>                                364,267
<INCOME-PRE-EXTRAORDINARY>                     232,964
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   232,964
<EPS-BASIC>                                    .17
<EPS-DILUTED>                                  .17
<YIELD-ACTUAL>                                 2.45
<LOANS-NON>                                    0
<LOANS-PAST>                                   0
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               62,706
<CHARGE-OFFS>                                  6,433
<RECOVERIES>                                   2,566
<ALLOWANCE-CLOSE>                              70,910
<ALLOWANCE-DOMESTIC>                           70,910
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        0



</TABLE>