<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION DERIVED FROM
THE QUARTERLY REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<CIK>                                          0001049890
<NAME>                                         SFSB Holding Company
<MULTIPLIER>                                   1000
       
<S>                             <C>
<PERIOD-TYPE>                                  6-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-END>                                   JUN-30-1998
<CASH>                                             385
<INT-BEARING-DEPOSITS>                           7,711
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      4,562
<INVESTMENTS-CARRYING>                          15,167
<INVESTMENTS-MARKET>                            15,364
<LOANS>                                         13,655
<ALLOWANCE>                                        188
<TOTAL-ASSETS>                                  47,310
<DEPOSITS>                                      36,900
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                572
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            73
<OTHER-SE>                                       9,765
<TOTAL-LIABILITIES-AND-EQUITY>                  43,710
<INTEREST-LOAN>                                    526
<INTEREST-INVEST>                                  566
<INTEREST-OTHER>                                   334
<INTEREST-TOTAL>                                 1,426
<INTEREST-DEPOSIT>                                 763
<INTEREST-EXPENSE>                                 763
<INTEREST-INCOME-NET>                              663
<LOAN-LOSSES>                                       11
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    680
<INCOME-PRETAX>                                     29
<INCOME-PRE-EXTRAORDINARY>                          29
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                        29
<EPS-PRIMARY>                                      .04
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                         79
<LOANS-PAST>                                        84
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   110 
<CHARGE-OFFS>                                        3
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  118
<ALLOWANCE-DOMESTIC>                               118
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        


</TABLE>