<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
DECEMBER 31, 1998 AND  IS  QUALIFIED  IN  ITS  ENTIRETY  BY  REFERENCE  TO  SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<CIK>                         0000926164
<NAME>                        Union Financial Bancshares Inc.
<MULTIPLIER>                                   1
<CURRENCY>                                     U.S. Dollars
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              SEP-30-1999
<PERIOD-START>                                 OCT-01-1998
<PERIOD-END>                                   DEC-31-1998
<EXCHANGE-RATE>                                1
<CASH>                                         1,483
<INT-BEARING-DEPOSITS>                         3,248
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    33,099
<INVESTMENTS-CARRYING>                         2,534
<INVESTMENTS-MARKET>                           2,564
<LOANS>                                        134,659
<ALLOWANCE>                                    826
<TOTAL-ASSETS>                                 189,403
<DEPOSITS>                                     134,028
<SHORT-TERM>                                   31,546
<LIABILITIES-OTHER>                            238
<LONG-TERM>                                    5,000
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       13
<OTHER-SE>                                     15,363
<TOTAL-LIABILITIES-AND-EQUITY>                 189,403
<INTEREST-LOAN>                                2,938
<INTEREST-INVEST>                              564
<INTEREST-OTHER>                               19
<INTEREST-TOTAL>                               3,521
<INTEREST-DEPOSIT>                             1,414
<INTEREST-EXPENSE>                             1,974
<INTEREST-INCOME-NET>                          1,547
<LOAN-LOSSES>                                  15
<SECURITIES-GAINS>                             0
<EXPENSE-OTHER>                                1,209
<INCOME-PRETAX>                                576
<INCOME-PRE-EXTRAORDINARY>                     368
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   368
<EPS-PRIMARY>                                  0.29
<EPS-DILUTED>                                  0.27
<YIELD-ACTUAL>                                 7.98
<LOANS-NON>                                    757
<LOANS-PAST>                                   0
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                770
<ALLOWANCE-OPEN>                               827
<CHARGE-OFFS>                                  16
<RECOVERIES>                                   15
<ALLOWANCE-CLOSE>                              826
<ALLOWANCE-DOMESTIC>                           0
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        826
        


</TABLE>