EMPIRE FEDERAL BANCORP INC
10QSB, EX-27, 2000-08-14
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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<TABLE> <S> <C>

<ARTICLE> 9

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                         2622712
<INT-BEARING-DEPOSITS>                          252486
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                   31573229
<INVESTMENTS-CARRYING>                         5658431
<INVESTMENTS-MARKET>                           5833447
<LOANS>                                       70507042
<ALLOWANCE>                                     256165
<TOTAL-ASSETS>                               116536270
<DEPOSITS>                                    73959517
<SHORT-TERM>                                   5955000
<LIABILITIES-OTHER>                             936478
<LONG-TERM>                                    5245857
                                0
                                          0
<COMMON>                                         25921
<OTHER-SE>                                    30413497
<TOTAL-LIABILITIES-AND-EQUITY>               116536270
<INTEREST-LOAN>                                2701990
<INTEREST-INVEST>                              1387413
<INTEREST-OTHER>                                 71105
<INTEREST-TOTAL>                               4160508
<INTEREST-DEPOSIT>                             1578166
<INTEREST-EXPENSE>                             1890851
<INTEREST-INCOME-NET>                          2269657
<LOAN-LOSSES>                                    30000
<SECURITIES-GAINS>                              150171
<EXPENSE-OTHER>                                1839347
<INCOME-PRETAX>                                1046282
<INCOME-PRE-EXTRAORDINARY>                     1046282
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    405605
<EPS-BASIC>                                       0.39
<EPS-DILUTED>                                     0.39
<YIELD-ACTUAL>                                    4.13
<LOANS-NON>                                          0
<LOANS-PAST>                                      9000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                226215
<CHARGE-OFFS>                                       50
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                               256165
<ALLOWANCE-DOMESTIC>                            256165
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>


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