<ARTICLE> 9 <CIK> 0001068725 <NAME> COMMUNITY SABINGS BANKSHARES, INC. <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> DEC-31-1998 <CASH> 15,305 <INT-BEARING-DEPOSITS> 101,710 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 95,151 <INVESTMENTS-CARRYING> 52,619 <INVESTMENTS-MARKET> 57,303 <LOANS> 541,364 <ALLOWANCE> 3,160 <TOTAL-ASSETS> 844,041 <DEPOSITS> 594,400 <SHORT-TERM> 0 <LIABILITIES-OTHER> 9,005 <LONG-TERM> 107,350 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 10,549 <OTHER-SE> 122,737 <TOTAL-LIABILITIES-AND-EQUITY> 844,041 <INTEREST-LOAN> 40,228 <INTEREST-INVEST> 11,629 <INTEREST-OTHER> 2,632 <INTEREST-TOTAL> 54,489 <INTEREST-DEPOSIT> 24,082 <INTEREST-EXPENSE> 30,159 <INTEREST-INCOME-NET> 24,330 <LOAN-LOSSES> 622 <SECURITIES-GAINS> 175 <EXPENSE-OTHER> 20,672 <INCOME-PRETAX> 7,101 <INCOME-PRE-EXTRAORDINARY> 4,994 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,994 <EPS-PRIMARY> 0.49 <EPS-DILUTED> 0.48 <YIELD-ACTUAL> 3.09 <LOANS-NON> 1,668 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 2,463 <ALLOWANCE-OPEN> 2,662 <CHARGE-OFFS> 376 <RECOVERIES> 252 <ALLOWANCE-CLOSE> 3,160 <ALLOWANCE-DOMESTIC> 3,160 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0