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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains financial information extracted from the
consolidated financial statements of NS&L Bancorp, Inc. for the nine months
ended June 30, 2000 and is qualified in its entirety by reference to such
financial statements.
</LEGEND>
<CIK> 0000939929
<NAME> NS&L Bancorp, Inc.
<MULTIPLIER> 1
<CURRENCY> U.S. Dollars
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> SEP-30-2000
<PERIOD-START> OCT-01-1999
<PERIOD-END> JUN-30-2000
<EXCHANGE-RATE> 1
<CASH> 2,191,966
<INT-BEARING-DEPOSITS> 80,000
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 162,188
<INVESTMENTS-CARRYING> 19,617,830
<INVESTMENTS-MARKET> 18,932,434
<LOANS> 43,650,590
<ALLOWANCE> 57,931
<TOTAL-ASSETS> 71,232,300
<DEPOSITS> 48,240,040
<SHORT-TERM> 7,100,000
<LIABILITIES-OTHER> 1,243,414
<LONG-TERM> 4,552,616
0
0
<COMMON> 10,124
<OTHER-SE> 10,384,335
<TOTAL-LIABILITIES-AND-EQUITY> 71,232,300
<INTEREST-LOAN> 2,391,313
<INTEREST-INVEST> 978,281
<INTEREST-OTHER> 234,854
<INTEREST-TOTAL> 3,604,448
<INTEREST-DEPOSIT> 1,590,633
<INTEREST-EXPENSE> 2,000,797
<INTEREST-INCOME-NET> 1,603,651
<LOAN-LOSSES> 7,882
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 1,340,452
<INCOME-PRETAX> 556,768
<INCOME-PRE-EXTRAORDINARY> 373,010
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 373,010
<EPS-BASIC> .22
<EPS-DILUTED> .22
<YIELD-ACTUAL> 2.24
<LOANS-NON> 0
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 70,910
<CHARGE-OFFS> 32,463
<RECOVERIES> 19,806
<ALLOWANCE-CLOSE> 57,931
<ALLOWANCE-DOMESTIC> 57,931
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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