<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF CHESTER BANCORP, INC. AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                           1,305
<INT-BEARING-DEPOSITS>                           9,703
<FED-FUNDS-SOLD>                                 5,788
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     23,790
<INVESTMENTS-CARRYING>                          50,712
<INVESTMENTS-MARKET>                            50,897
<LOANS>                                         48,209
<ALLOWANCE>                                        449
<TOTAL-ASSETS>                                 142,796
<DEPOSITS>                                      99,435
<SHORT-TERM>                                    20,880
<LIABILITIES-OTHER>                                776
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            22
<OTHER-SE>                                      21,683
<TOTAL-LIABILITIES-AND-EQUITY>                 142,796
<INTEREST-LOAN>                                  5,641
<INTEREST-INVEST>                                2,597
<INTEREST-OTHER>                                   839
<INTEREST-TOTAL>                                 9,077
<INTEREST-DEPOSIT>                               4,223
<INTEREST-EXPENSE>                               5,122
<INTEREST-INCOME-NET>                            3,955
<LOAN-LOSSES>                                       17
<SECURITIES-GAINS>                                  33
<EXPENSE-OTHER>                                  2,514
<INCOME-PRETAX>                                  1,664
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,150    
<EPS-PRIMARY>                                      .75  
<EPS-DILUTED>                                      .73  
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                    0
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0