<TABLE> <S> <C>

<ARTICLE>              9
<LEGEND>
This schedule contains summary information extracted from the Form 10-QSB and is
qualified in its entirety by reference to the unaudited financial statements
contained herein.
</LEGEND>
<CIK>                  0001066170
<NAME>                 MASSACHUSETTS FINCORP, INC.
<MULTIPLIER>           1,000
<CURRENCY>             U.S. DOLLAR
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               MAR-31-1999
<EXCHANGE-RATE>                                      1
<CASH>                                             361
<INT-BEARING-DEPOSITS>                           1,794
<FED-FUNDS-SOLD>                                   865
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      7,295
<INVESTMENTS-CARRYING>                           1,103
<INVESTMENTS-MARKET>                             1,105
<LOANS>                                         56,607
<ALLOWANCE>                                        554
<TOTAL-ASSETS>                                  73,425
<DEPOSITS>                                      56,911
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                817
<LONG-TERM>                                      6,090
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             5
<OTHER-SE>                                       9,601
<TOTAL-LIABILITIES-AND-EQUITY>                  73,425
<INTEREST-LOAN>                                  1,174
<INTEREST-INVEST>                                  147
<INTEREST-OTHER>                                    14
<INTEREST-TOTAL>                                 1,335
<INTEREST-DEPOSIT>                                 536
<INTEREST-EXPENSE>                                 609
<INTEREST-INCOME-NET>                              726
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   6
<EXPENSE-OTHER>                                    718
<INCOME-PRETAX>                                    217
<INCOME-PRE-EXTRAORDINARY>                         166
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       166
<EPS-PRIMARY>                                     0.30
<EPS-DILUTED>                                     0.30
<YIELD-ACTUAL>                                    7.54
<LOANS-NON>                                         64
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   525
<CHARGE-OFFS>                                        0
<RECOVERIES>                                        29
<ALLOWANCE-CLOSE>                                  554
<ALLOWANCE-DOMESTIC>                               554
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>