<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
SEPTEMBER 30, 1998 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>                   3-MOS
<FISCAL-YEAR-END>                             SEP-30-1999
<PERIOD-START>                                OCT-01-1998
<PERIOD-END>                                  MAR-31-1999
<EXCHANGE-RATE>                                1
<CASH>                                         1,988
<INT-BEARING-DEPOSITS>                         3,704
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    36,598
<INVESTMENTS-CARRYING>                         2,410
<INVESTMENTS-MARKET>                           2,428
<LOANS>                                        131,739
<ALLOWANCE>                                    842
<TOTAL-ASSETS>                                 192,222
<DEPOSITS>                                     146,325
<SHORT-TERM>                                   30,128
<LIABILITIES-OTHER>                            400
<LONG-TERM>                                    5,000
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       13
<OTHER-SE>                                     15,369
<TOTAL-LIABILITIES-AND-EQUITY>                 192,222
<INTEREST-LOAN>                                5,569
<INTEREST-INVEST>                              1,181
<INTEREST-OTHER>                               50
<INTEREST-TOTAL>                               6,800
<INTEREST-DEPOSIT>                             2,868
<INTEREST-EXPENSE>                             3,836
<INTEREST-INCOME-NET>                          2,964
<LOAN-LOSSES>                                  45
<SECURITIES-GAINS>                             7
<EXPENSE-OTHER>                                2,401
<INCOME-PRETAX>                                1,212
<INCOME-PRE-EXTRAORDINARY>                     773
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   773
<EPS-PRIMARY>                                  0.59
<EPS-DILUTED>                                  0.56
<YIELD-ACTUAL>                                 7.29
<LOANS-NON>                                    411
<LOANS-PAST>                                   0
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                495
<ALLOWANCE-OPEN>                               827
<CHARGE-OFFS>                                  13
<RECOVERIES>                                   29
<ALLOWANCE-CLOSE>                              843
<ALLOWANCE-DOMESTIC>                           0
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        843
        


</TABLE>