<ARTICLE> 9 <CIK> 0001046001 <NAME> DELAWARE FIRST FINANCIAL CORPORATION <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> MAR-31-1998 <CASH> 14,085 <INT-BEARING-DEPOSITS> 14,017 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 3,642 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 87,630 <ALLOWANCE> 436 <TOTAL-ASSETS> 110,087 <DEPOSITS> 74,826 <SHORT-TERM> 4,500 <LIABILITIES-OTHER> 3,728 <LONG-TERM> 10,900 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 12 <OTHER-SE> 16,121 <TOTAL-LIABILITIES-AND-EQUITY> 110,087 <INTEREST-LOAN> 1,728 <INTEREST-INVEST> 260 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 1,988 <INTEREST-DEPOSIT> 1,057 <INTEREST-EXPENSE> 261 <INTEREST-INCOME-NET> 670 <LOAN-LOSSES> 15 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 628 <INCOME-PRETAX> 66 <INCOME-PRE-EXTRAORDINARY> 66 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 38 <EPS-PRIMARY> 0.036 <EPS-DILUTED> 0.036 <YIELD-ACTUAL> 2.52 <LOANS-NON> 427 <LOANS-PAST> 0 <LOANS-TROUBLED> 14 <LOANS-PROBLEM> 697 <ALLOWANCE-OPEN> 463 <CHARGE-OFFS> 41 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 436 <ALLOWANCE-DOMESTIC> 336 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 100