<TABLE> <S> <C>

<ARTICLE>                                            9
<LEGEND>
    THIS SCHEDULE CONTAINS FINANCIAL INFORMATION EXTRACTED FROM THE FINANCIAL
STATEMENTS OF UNION FINANCIAL BANCSHARES, 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>                         0000926164
<NAME>                        Union Financial Bancshares, Inc.
<MULTIPLIER>                                   1,000
<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>                                         2,154
<INT-BEARING-DEPOSITS>                         2,534
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    38,927
<INVESTMENTS-CARRYING>                         799
<INVESTMENTS-MARKET>                           800
<LOANS>                                        143,047
<ALLOWANCE>                                    830
<TOTAL-ASSETS>                                 204,362
<DEPOSITS>                                     144,582
<SHORT-TERM>                                   23,670
<LIABILITIES-OTHER>                            1,180
<LONG-TERM>                                    20,000
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       13
<OTHER-SE>                                     14,917
<TOTAL-LIABILITIES-AND-EQUITY>                 204,362
<INTEREST-LOAN>                                8,311
<INTEREST-INVEST>                              1,845
<INTEREST-OTHER>                               67
<INTEREST-TOTAL>                               10,223
<INTEREST-DEPOSIT>                             4,288
<INTEREST-EXPENSE>                             5,664
<INTEREST-INCOME-NET>                          4,559
<LOAN-LOSSES>                                  70
<SECURITIES-GAINS>                             7
<EXPENSE-OTHER>                                3,585
<INCOME-PRETAX>                                1,904
<INCOME-PRE-EXTRAORDINARY>                     1,215
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   1,215
<EPS-BASIC>                                  0.92
<EPS-DILUTED>                                  0.86
<YIELD-ACTUAL>                                 7.29
<LOANS-NON>                                    119
<LOANS-PAST>                                   0
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                418
<ALLOWANCE-OPEN>                               827
<CHARGE-OFFS>                                  26
<RECOVERIES>                                   29
<ALLOWANCE-CLOSE>                              830
<ALLOWANCE-DOMESTIC>                           0
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        830



</TABLE>