<TABLE> <S> <C>

<ARTICLE>               9
<LEGEND>
      THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FORM 10-KSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<CIK>                   0001066170
<NAME>                  MASSACHUSETTS FINCORP, INC.
<MULTIPLIER>            1,000
<CURRENCY>              U.S. DOLLARS
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               DEC-31-1998
<EXCHANGE-RATE>                                      1
<CASH>                                             532
<INT-BEARING-DEPOSITS>                             177
<FED-FUNDS-SOLD>                                 1,761
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      7,404
<INVESTMENTS-CARRYING>                           1,308
<INVESTMENTS-MARKET>                             1,314
<LOANS>                                         51,802
<ALLOWANCE>                                      (525)
<TOTAL-ASSETS>                                  71,633
<DEPOSITS>                                      56,993
<SHORT-TERM>                                       619
<LIABILITIES-OTHER>                                926
<LONG-TERM>                                      3,592
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             5
<OTHER-SE>                                       9,498
<TOTAL-LIABILITIES-AND-EQUITY>                  71,633
<INTEREST-LOAN>                                  4,071
<INTEREST-INVEST>                                  515
<INTEREST-OTHER>                                    93
<INTEREST-TOTAL>                                 4,678
<INTEREST-DEPOSIT>                               2,181
<INTEREST-EXPENSE>                               2,441
<INTEREST-INCOME-NET>                            2,238
<LOAN-LOSSES>                                       87
<SECURITIES-GAINS>                                  35
<EXPENSE-OTHER>                                  2,783
<INCOME-PRETAX>                                    100
<INCOME-PRE-EXTRAORDINARY>                          71
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                        71
<EPS-PRIMARY>                                        0
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    7.68
<LOANS-NON>                                        173
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   349
<CHARGE-OFFS>                                        1
<RECOVERIES>                                        90
<ALLOWANCE-CLOSE>                                  525
<ALLOWANCE-DOMESTIC>                               525
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        


</TABLE>