<ARTICLE>                               9
<LEGEND>
THIS SCHEDULE  CONTAINS SUMMARY FINANCIAL  INFORMATION  EXTRACTED FROM SEPTEMBER
30,  1998  FORM 10-Q AND IS  QUALIFIED  IN ITS  ENTIRETY  BY  REFERENCE  TO SUCH
FINANCIAL STATEMENTS
</LEGEND>
<CIK>                          0001045934
<NAME>             COMMUNITY SAVINGS BANKSHARES, INC.
<MULTIPLIER>                        1,000
<CURRENCY>                   U.S. Dollars
       
                          
<PERIOD-TYPE>                       9-MOS
<FISCAL-YEAR-END>             DEC-31-1998
<PERIOD-START>                JAN-01-1998
<PERIOD-END>                  SEP-30-1998
<EXCHANGE-RATE>                         1
<CASH>                             16,436
<INT-BEARING-DEPOSITS>             34,395
<FED-FUNDS-SOLD>                        0
<TRADING-ASSETS>                        0
<INVESTMENTS-HELD-FOR-SALE>       100,317
<INVESTMENTS-CARRYING>             58,464
<INVESTMENTS-MARKET>               63,925
<LOANS>                           540,602
<ALLOWANCE>                         2,990
<TOTAL-ASSETS>                    791,291
<DEPOSITS>                        580,757
<SHORT-TERM>                            0
<LIABILITIES-OTHER>                16,278
<LONG-TERM>                       109,700
<PREFERRED-MANDATORY>                   0
<PREFERRED>                             0
<COMMON>                            5,104
<OTHER-SE>                         79,452
<TOTAL-LIABILITIES-AND-EQUITY>    791,291
<INTEREST-LOAN>                    29,759
<INTEREST-INVEST>                   9,097
<INTEREST-OTHER>                    1,735
<INTEREST-TOTAL>                   40,591
<INTEREST-DEPOSIT>                 18,078
<INTEREST-EXPENSE>                 22,397
<INTEREST-INCOME-NET>              18,194
<LOAN-LOSSES>                         436
<SECURITIES-GAINS>                      0
<EXPENSE-OTHER>                    14,912
<INCOME-PRETAX>                     5,508
<INCOME-PRE-EXTRAORDINARY>          3,749
<EXTRAORDINARY>                         0
<CHANGES>                               0
<NET-INCOME>                        3,749
<EPS-PRIMARY>                         .75
<EPS-DILUTED>                         .73
<YIELD-ACTUAL>                       3.28
<LOANS-NON>                         1,659
<LOANS-PAST>                            0
<LOANS-TROUBLED>                        0
<LOANS-PROBLEM>                     2,362
<ALLOWANCE-OPEN>                    2,662
<CHARGE-OFFS>                        (108)
<RECOVERIES>                            0
<ALLOWANCE-CLOSE>                   2,990
<ALLOWANCE-DOMESTIC>                2,990
<ALLOWANCE-FOREIGN>                     0
<ALLOWANCE-UNALLOCATED>                 0