<ARTICLE> 9
<LEGEND>
This schedule contains financial information extracted from the consolidated
financial statements of Lexington B&L Financial Corp. for the year ended
December 31, 1998 and is qualified in its entirety by reference to such
financial statements.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          SEP-30-1999
<PERIOD-START>                             OCT-01-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                           2,189
<INT-BEARING-DEPOSITS>                          11,635
<FED-FUNDS-SOLD>                                 2,375
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      2,218
<INVESTMENTS-CARRYING>                          18,944
<INVESTMENTS-MARKET>                            19,154
<LOANS>                                         61,029
<ALLOWANCE>                                        601
<TOTAL-ASSETS>                                 101,982
<DEPOSITS>                                      79,791
<SHORT-TERM>                                       159
<LIABILITIES-OTHER>                                881
<LONG-TERM>                                      5,497
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            13
<OTHER-SE>                                      15,641
<TOTAL-LIABILITIES-AND-EQUITY>                 101,982
<INTEREST-LOAN>                                  1,328
<INTEREST-INVEST>                                  393
<INTEREST-OTHER>                                    21
<INTEREST-TOTAL>                                 1,742
<INTEREST-DEPOSIT>                                 968
<INTEREST-EXPENSE>                               1,000
<INTEREST-INCOME-NET>                              742
<LOAN-LOSSES>                                       13
<SECURITIES-GAINS>                                   6
<EXPENSE-OTHER>                                    595
<INCOME-PRETAX>                                    219
<INCOME-PRE-EXTRAORDINARY>                         219
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       144
<EPS-PRIMARY>                                      .16
<EPS-DILUTED>                                      .16
<YIELD-ACTUAL>                                     .81
<LOANS-NON>                                        736
<LOANS-PAST>                                        67
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    987
<ALLOWANCE-OPEN>                                   599
<CHARGE-OFFS>                                       13
<RECOVERIES>                                         2
<ALLOWANCE-CLOSE>                                  601
<ALLOWANCE-DOMESTIC>                               500
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            101