<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     This schedule  contains summary  financial  information  extracted from the
Company's  consolidated balance sheet and the consolidated  statement of income,
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>                                    6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                           6,094
<INT-BEARING-DEPOSITS>                          11,776
<FED-FUNDS-SOLD>                                28,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     49,776
<INVESTMENTS-CARRYING>                          41,908
<INVESTMENTS-MARKET>                            41,483
<LOANS>                                        154,229
<ALLOWANCE>                                      1,119
<TOTAL-ASSETS>                                 298,109
<DEPOSITS>                                     240,931
<SHORT-TERM>                                        86
<LIABILITIES-OTHER>                                583
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           521
<OTHER-SE>                                      54,289
<TOTAL-LIABILITIES-AND-EQUITY>                 298,109
<INTEREST-LOAN>                                  2,871
<INTEREST-INVEST>                                1,341
<INTEREST-OTHER>                                   610
<INTEREST-TOTAL>                                 4,822
<INTEREST-DEPOSIT>                               2,226
<INTEREST-EXPENSE>                               2,233
<INTEREST-INCOME-NET>                            2,585
<LOAN-LOSSES>                                       25
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,605
<INCOME-PRETAX>                                  1,085
<INCOME-PRE-EXTRAORDINARY>                       1,085
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       661
<EPS-BASIC>                                     0.13
<EPS-DILUTED>                                     0.13
<YIELD-ACTUAL>                                    3.61
<LOANS-NON>                                        817
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,094
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                1,119
<ALLOWANCE-DOMESTIC>                             1,119
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0



</TABLE>