<TABLE> <S> <C>

<ARTICLE>                     9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
UNAUDITED FIRST MUTUAL BANCSHARES, INC. CONSOLIDATED STATEMENTS OF FINANCIAL
CONDITION AS OF SEPTEMBER 30, 1999 AND THE UNAUDITED CONSOLIDATED STATEMENTS OF
INCOME FOR THE NINE MONTHS ENDED SEPTEMBER 30, 1999.  THIS INFORMATION IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>

<S>                                                 <C>
<PERIOD-TYPE>                                       9-MOS
<FISCAL-YEAR-END>                                   DEC-31-1999
<PERIOD-START>                                      JAN-01-1999
<PERIOD-END>                                        SEP-30-1999
<CASH>                                                     3784
<INT-BEARING-DEPOSITS>                                      592
<FED-FUNDS-SOLD>                                              0
<TRADING-ASSETS>                                              0
<INVESTMENTS-HELD-FOR-SALE>                               17866
<INVESTMENTS-CARRYING>                                    88654
<INVESTMENTS-MARKET>                                      86896
<LOANS>                                                  421278
<ALLOWANCE>                                                6238
<TOTAL-ASSETS>                                           547824
<DEPOSITS>                                               402809
<SHORT-TERM>                                              73660
<LIABILITIES-OTHER>                                        7399
<LONG-TERM>                                               25650
<PREFERRED-MANDATORY>                                         0
<PREFERRED>                                                   0
<COMMON>                                                   4681
<OTHER-SE>                                                33626
<TOTAL-LIABILITIES-AND-EQUITY>                           547824
<INTEREST-LOAN>                                           25874
<INTEREST-INVEST>                                          4792
<INTEREST-OTHER>                                            306
<INTEREST-TOTAL>                                          30972
<INTEREST-DEPOSIT>                                        13883
<INTEREST-EXPENSE>                                        16917
<INTEREST-INCOME-NET>                                     14055
<LOAN-LOSSES>                                               685
<SECURITIES-GAINS>                                            0
<EXPENSE-OTHER>                                            9132
<INCOME-PRETAX>                                            6730
<INCOME-PRE-EXTRAORDINARY>                                 4447
<EXTRAORDINARY>                                               0
<CHANGES>                                                     0
<NET-INCOME>                                               4447
<EPS-BASIC>                                                0.95
<EPS-DILUTED>                                              0.93
<YIELD-ACTUAL>                                             3.72
<LOANS-NON>                                                 474
<LOANS-PAST>                                                  0
<LOANS-TROUBLED>                                              0
<LOANS-PROBLEM>                                               0
<ALLOWANCE-OPEN>                                           5569
<CHARGE-OFFS>                                                19
<RECOVERIES>                                                  3
<ALLOWANCE-CLOSE>                                          6238
<ALLOWANCE-DOMESTIC>                                          0
<ALLOWANCE-FOREIGN>                                           0
<ALLOWANCE-UNALLOCATED>                                    6238


</TABLE>