<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>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                           2,543
<INT-BEARING-DEPOSITS>                           2,227
<FED-FUNDS-SOLD>                                 1,920
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     12,863
<INVESTMENTS-CARRYING>                          55,235
<INVESTMENTS-MARKET>                            54,120
<LOANS>                                         49,345
<ALLOWANCE>                                        412
<TOTAL-ASSETS>                                 127,150
<DEPOSITS>                                      95,826
<SHORT-TERM>                                    10,000
<LIABILITIES-OTHER>                                645
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            22
<OTHER-SE>                                      20,679
<TOTAL-LIABILITIES-AND-EQUITY>                 127,150
<INTEREST-LOAN>                                  2,920
<INTEREST-INVEST>                                2,993
<INTEREST-OTHER>                                   340
<INTEREST-TOTAL>                                 6,253
<INTEREST-DEPOSIT>                               3,069
<INTEREST-EXPENSE>                               3,545
<INTEREST-INCOME-NET>                            2,708
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,881
<INCOME-PRETAX>                                    949
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       655
<EPS-BASIC>                                        .51
<EPS-DILUTED>                                      .50
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                         99
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   449
<CHARGE-OFFS>                                       40
<RECOVERIES>                                         3
<ALLOWANCE-CLOSE>                                  412
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0