<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
       THIS SCHEDULE CONTAINS FINANCIAL INFORMATION EXTRACTED FROM THE FINANCIAL
STATEMENTS OF NS&L BANCORP, INC. FOR THE YEAR TO DATE PERIOD ENDED JUNE 30, 1999
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>                   9-MOS
<FISCAL-YEAR-END>                              SEP-30-1999
<PERIOD-START>                                 OCT-01-1998
<PERIOD-END>                                   JUN-30-1999
<EXCHANGE-RATE>                                1
<CASH>                                         3,544,565
<INT-BEARING-DEPOSITS>                         80,000
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    194,906
<INVESTMENTS-CARRYING>                         21,984,046
<INVESTMENTS-MARKET>                           21,344,491
<LOANS>                                        38,851,657
<ALLOWANCE>                                    56,451
<TOTAL-ASSETS>                                 66,636,613
<DEPOSITS>                                     51,030,065
<SHORT-TERM>                                   0
<LIABILITIES-OTHER>                            1,144,875
<LONG-TERM>                                    3,888,922
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       10,099
<OTHER-SE>                                     10,562,652
<TOTAL-LIABILITIES-AND-EQUITY>                 66,636,613
<INTEREST-LOAN>                                2,168,491
<INTEREST-INVEST>                              625,594
<INTEREST-OTHER>                               453,470
<INTEREST-TOTAL>                               3,247,555
<INTEREST-DEPOSIT>                             1,597,256
<INTEREST-EXPENSE>                             1,764,200
<INTEREST-INCOME-NET>                          1,483,355
<LOAN-LOSSES>                                  5,857
<SECURITIES-GAINS>                             0
<EXPENSE-OTHER>                                1,244,237
<INCOME-PRETAX>                                564,259
<INCOME-PRE-EXTRAORDINARY>                     380,935
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   380,935
<EPS-BASIC>                                  .55
<EPS-DILUTED>                                  .55
<YIELD-ACTUAL>                                 2.55
<LOANS-NON>                                    99,224
<LOANS-PAST>                                   0
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               41,072
<CHARGE-OFFS>                                  0
<RECOVERIES>                                   0
<ALLOWANCE-CLOSE>                              56,451
<ALLOWANCE-DOMESTIC>                           56,451
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        0



</TABLE>