<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>
<CIK> 0001010838
<NAME> CHESTER BANCORP, INC.
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                           1,516
<INT-BEARING-DEPOSITS>                           8,581
<FED-FUNDS-SOLD>                                 3,803
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     19,505
<INVESTMENTS-CARRYING>                          52,812
<INVESTMENTS-MARKET>                            52,871
<LOANS>                                         46,488
<ALLOWANCE>                                        417
<TOTAL-ASSETS>                                 135,486
<DEPOSITS>                                      99,405
<SHORT-TERM>                                    14,000
<LIABILITIES-OTHER>                                858
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            22
<OTHER-SE>                                      21,223
<TOTAL-LIABILITIES-AND-EQUITY>                 135,486
<INTEREST-LOAN>                                    975
<INTEREST-INVEST>                                  955
<INTEREST-OTHER>                                   186
<INTEREST-TOTAL>                                 2,116
<INTEREST-DEPOSIT>                               1,048
<INTEREST-EXPENSE>                               1,227
<INTEREST-INCOME-NET>                              889
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    618
<INCOME-PRETAX>                                    315
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       218
<EPS-BASIC>                                      .17
<EPS-DILUTED>                                      .16
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                        281
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   449
<CHARGE-OFFS>                                       34
<RECOVERIES>                                         2
<ALLOWANCE-CLOSE>                                  417
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0