<ARTICLE>                                            9
<LEGEND>
     This schedule contains financial information extracted from the
consolidated financial statements of NS&L Bancorp, Inc. for the nine months
ended June 30, 2000 and is qualified in its entirety by reference to such
financial statements.
</LEGEND>
<CIK>                         0000939929
<NAME>                        NS&L Bancorp, Inc.
<MULTIPLIER>                                            1
<CURRENCY>                                   U.S. Dollars

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                             SEP-30-2000
<PERIOD-START>                                OCT-01-1999
<PERIOD-END>                                  JUN-30-2000
<EXCHANGE-RATE>                                         1
<CASH>                                          2,191,966
<INT-BEARING-DEPOSITS>                             80,000
<FED-FUNDS-SOLD>                                        0
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                       162,188
<INVESTMENTS-CARRYING>                         19,617,830
<INVESTMENTS-MARKET>                           18,932,434
<LOANS>                                        43,650,590
<ALLOWANCE>                                        57,931
<TOTAL-ASSETS>                                 71,232,300
<DEPOSITS>                                     48,240,040
<SHORT-TERM>                                    7,100,000
<LIABILITIES-OTHER>                             1,243,414
<LONG-TERM>                                     4,552,616
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0
<COMMON>                                           10,124
<OTHER-SE>                                     10,384,335
<TOTAL-LIABILITIES-AND-EQUITY>                 71,232,300
<INTEREST-LOAN>                                 2,391,313
<INTEREST-INVEST>                                 978,281
<INTEREST-OTHER>                                  234,854
<INTEREST-TOTAL>                                3,604,448
<INTEREST-DEPOSIT>                              1,590,633
<INTEREST-EXPENSE>                              2,000,797
<INTEREST-INCOME-NET>                           1,603,651
<LOAN-LOSSES>                                       7,882
<SECURITIES-GAINS>                                      0
<EXPENSE-OTHER>                                 1,340,452
<INCOME-PRETAX>                                   556,768
<INCOME-PRE-EXTRAORDINARY>                        373,010
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                      373,010
<EPS-BASIC>                                           .22
<EPS-DILUTED>                                         .22
<YIELD-ACTUAL>                                       2.24
<LOANS-NON>                                             0
<LOANS-PAST>                                            0
<LOANS-TROUBLED>                                        0
<LOANS-PROBLEM>                                         0
<ALLOWANCE-OPEN>                                   70,910
<CHARGE-OFFS>                                      32,463
<RECOVERIES>                                       19,806
<ALLOWANCE-CLOSE>                                  57,931
<ALLOWANCE-DOMESTIC>                               57,931
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                                 0