<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS FINANCIAL INFORMATION EXTRACTED FROM THE CONSOLIDATED
FINANCIAL STATEMENTS OF LEXINGTON B & L FINANCIAL CORP. AS OF AND FOR THE THREE
MONTHS ENDED DECEMBER 31, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
</LEGEND>

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          SEP-30-2000
<PERIOD-START>                             OCT-01-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                           3,571
<INT-BEARING-DEPOSITS>                           2,507
<FED-FUNDS-SOLD>                                   569
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      7,272
<INVESTMENTS-CARRYING>                          23,717
<INVESTMENTS-MARKET>                            22,886
<LOANS>                                         62,350
<ALLOWANCE>                                        611
<TOTAL-ASSETS>                                 104,333
<DEPOSITS>                                      83,156
<SHORT-TERM>                                       255
<LIABILITIES-OTHER>                              1,525
<LONG-TERM>                                      5,152
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            13
<OTHER-SE>                                      14,209
<TOTAL-LIABILITIES-AND-EQUITY>                 104,333
<INTEREST-LOAN>                                  1,319
<INTEREST-INVEST>                                  539
<INTEREST-OTHER>                                    10
<INTEREST-TOTAL>                                 1,868
<INTEREST-DEPOSIT>                               1,008
<INTEREST-EXPENSE>                               1,082
<INTEREST-INCOME-NET>                              786
<LOAN-LOSSES>                                       12
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    624
<INCOME-PRETAX>                                    270
<INCOME-PRE-EXTRAORDINARY>                         270
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       186
<EPS-BASIC>                                       0.23
<EPS-DILUTED>                                     0.22
<YIELD-ACTUAL>                                    0.77
<LOANS-NON>                                        346
<LOANS-PAST>                                         8
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    849
<ALLOWANCE-OPEN>                                   599
<CHARGE-OFFS>                                        7
<RECOVERIES>                                         7
<ALLOWANCE-CLOSE>                                  611
<ALLOWANCE-DOMESTIC>                               530
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                             81