<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FIRST SHARES
BANCORP, INC. STATEMENTS ENDING SEPTEMBER 30, 2000 AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                           3,349
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     14,947
<INVESTMENTS-CARRYING>                             605
<INVESTMENTS-MARKET>                               606
<LOANS>                                         74,357
<ALLOWANCE>                                        828
<TOTAL-ASSETS>                                  98,248
<DEPOSITS>                                      86,362
<SHORT-TERM>                                     5,150
<LIABILITIES-OTHER>                                269
<LONG-TERM>                                          0
                                0
                                          0
<COMMON>                                            10
<OTHER-SE>                                       6,457
<TOTAL-LIABILITIES-AND-EQUITY>                  98,248
<INTEREST-LOAN>                                  4,411
<INTEREST-INVEST>                                  882
<INTEREST-OTHER>                                    74
<INTEREST-TOTAL>                                 5,367
<INTEREST-DEPOSIT>                               2,795
<INTEREST-EXPENSE>                               3,098
<INTEREST-INCOME-NET>                            2,269
<LOAN-LOSSES>                                      335
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,110
<INCOME-PRETAX>                                  (787)
<INCOME-PRE-EXTRAORDINARY>                       (787)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     (787)
<EPS-BASIC>                                     (1.11)
<EPS-DILUTED>                                   (1.11)
<YIELD-ACTUAL>                                    3.77
<LOANS-NON>                                        287
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  1,685
<ALLOWANCE-OPEN>                                   549
<CHARGE-OFFS>                                       99
<RECOVERIES>                                        43
<ALLOWANCE-CLOSE>                                  828
<ALLOWANCE-DOMESTIC>                               801
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                             27


</TABLE>



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