<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
Exhibit 27
                             FINANCIAL DATA SCHEDULE

         This schedule contains summary financial information extracted from the
Company's  consolidated  balance sheet at December 31, 1999 and the consolidated
statement  of income for the nine  months then ended,  and is  qualified  in its
entirety by reference to such financial statements.

</LEGEND>
<CIK>                                       0001064236
<NAME>                           SOUND FEDERAL BANCORP
<MULTIPLIER>                                     1,000

<S>                                            <C>
<PERIOD-TYPE>                                    4-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                           8,531
<INT-BEARING-DEPOSITS>                          11,074
<FED-FUNDS-SOLD>                                26,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     57,270
<INVESTMENTS-CARRYING>                          37,561
<INVESTMENTS-MARKET>                            36,555
<LOANS>                                        174,830
<ALLOWANCE>                                      1,169
<TOTAL-ASSETS>                                 323,826
<DEPOSITS>                                     267,548
<SHORT-TERM>                                        86
<LIABILITIES-OTHER>                              4,082
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           521
<OTHER-SE>                                      51,589
<TOTAL-LIABILITIES-AND-EQUITY>                 323,826
<INTEREST-LOAN>                                  9,051
<INTEREST-INVEST>                                4,266
<INTEREST-OTHER>                                 1,740
<INTEREST-TOTAL>                                15,057
<INTEREST-DEPOSIT>                               7,146
<INTEREST-EXPENSE>                               7,181
<INTEREST-INCOME-NET>                            7,876
<LOAN-LOSSES>                                       75
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  5,326
<INCOME-PRETAX>                                  2,702
<INCOME-PRE-EXTRAORDINARY>                       2,702
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,737
<EPS-BASIC>                                     0.35
<EPS-DILUTED>                                     0.35
<YIELD-ACTUAL>                                    3.53
<LOANS-NON>                                        809
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,094
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                1,169
<ALLOWANCE-DOMESTIC>                             1,169
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0



</TABLE>