<TABLE> <S> <C>

<ARTICLE>                                            9
<LEGEND>
      This schedule contains financial information extracted from the
consolidated financial statements of NS&L Bancorp, Inc. for the three months
ended December 31, 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>                   3-MOS
<FISCAL-YEAR-END>                             SEP-30-2000
<PERIOD-START>                                OCT-01-1999
<PERIOD-END>                                  DEC-31-1999
<EXCHANGE-RATE>                                         1
<CASH>                                          3,368,707
<INT-BEARING-DEPOSITS>                          1,664,000
<FED-FUNDS-SOLD>                                        0
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                       176,125
<INVESTMENTS-CARRYING>                         19,547,802
<INVESTMENTS-MARKET>                           18,695,314
<LOANS>                                        41,093,201
<ALLOWANCE>                                        74,777
<TOTAL-ASSETS>                                 70,354,360
<DEPOSITS>                                     50,284,308
<SHORT-TERM>                                    5,000,000
<LIABILITIES-OTHER>                               862,508
<LONG-TERM>                                     3,621,748
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0
<COMMON>                                           10,124
<OTHER-SE>                                     10,575,672
<TOTAL-LIABILITIES-AND-EQUITY>                 70,354,360
<INTEREST-LOAN>                                   768,640
<INTEREST-INVEST>                                 328,705
<INTEREST-OTHER>                                   71,275
<INTEREST-TOTAL>                                1,168,620
<INTEREST-DEPOSIT>                                529,065
<INTEREST-EXPENSE>                                634,121
<INTEREST-INCOME-NET>                             534,499
<LOAN-LOSSES>                                      12,071
<SECURITIES-GAINS>                                      0
<EXPENSE-OTHER>                                   443,319
<INCOME-PRETAX>                                   170,499
<INCOME-PRE-EXTRAORDINARY>                        119,072
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                      119,072
<EPS-BASIC>                                           .17
<EPS-DILUTED>                                         .17
<YIELD-ACTUAL>                                       2.44
<LOANS-NON>                                       185,402
<LOANS-PAST>                                            0
<LOANS-TROUBLED>                                        0
<LOANS-PROBLEM>                                         0
<ALLOWANCE-OPEN>                                   62,706
<CHARGE-OFFS>                                           0
<RECOVERIES>                                            0
<ALLOWANCE-CLOSE>                                  74,777
<ALLOWANCE-DOMESTIC>                               74,777
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                                 0


</TABLE>