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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS INCLUDED IN THE REPORT TO WHICH THIS SCHEDULE RELATES AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<CIK> 0000945532
<NAME> USABANCSHARES.COM, INC.
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-END> JUN-30-2000
<CASH> 2,889
<INT-BEARING-DEPOSITS> 8,626
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 30,908
<INVESTMENTS-CARRYING> 108,860
<INVESTMENTS-MARKET> 101,253
<LOANS> 183,676
<ALLOWANCE> 2,114
<TOTAL-ASSETS> 361,361
<DEPOSITS> 301,666
<SHORT-TERM> 0
<LIABILITIES-OTHER> 2,656
<LONG-TERM> 42,600
0
0
<COMMON> 5,724
<OTHER-SE> 8,715
<TOTAL-LIABILITIES-AND-EQUITY> 361,361
<INTEREST-LOAN> 10,183
<INTEREST-INVEST> 4,607
<INTEREST-OTHER> 809
<INTEREST-TOTAL> 15,599
<INTEREST-DEPOSIT> 8,413
<INTEREST-EXPENSE> 9,980
<INTEREST-INCOME-NET> 5,619
<LOAN-LOSSES> 0
<SECURITIES-GAINS> (243)
<EXPENSE-OTHER> 9,738
<INCOME-PRETAX> (4,224)
<INCOME-PRE-EXTRAORDINARY> (4,224)
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> (3,861)
<EPS-BASIC> (0.68)
<EPS-DILUTED> (0.68)
<YIELD-ACTUAL> 9.48
<LOANS-NON> 782
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 2,115
<CHARGE-OFFS> (1)
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 2,114
<ALLOWANCE-DOMESTIC> 2,114
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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