EMPIRE FEDERAL BANCORP INC
10QSB, EX-27, 2000-11-13
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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<TABLE> <S> <C>

<ARTICLE> 9

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                         1996565
<INT-BEARING-DEPOSITS>                          450301
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                   30758241
<INVESTMENTS-CARRYING>                         5336201
<INVESTMENTS-MARKET>                           5310422
<LOANS>                                       75731221
<ALLOWANCE>                                     271165
<TOTAL-ASSETS>                               120332545
<DEPOSITS>                                    75542190
<SHORT-TERM>                                  10813016
<LIABILITIES-OTHER>                            1402417
<LONG-TERM>                                    4546619
                                0
                                          0
<COMMON>                                         25921
<OTHER-SE>                                    28002382
<TOTAL-LIABILITIES-AND-EQUITY>               120332545
<INTEREST-LOAN>                                4248753
<INTEREST-INVEST>                              1988965
<INTEREST-OTHER>                                 99179
<INTEREST-TOTAL>                               6336897
<INTEREST-DEPOSIT>                             2436900
<INTEREST-EXPENSE>                             2943065
<INTEREST-INCOME-NET>                          3393832
<LOAN-LOSSES>                                    45000
<SECURITIES-GAINS>                              184613
<EXPENSE-OTHER>                                2633543
<INCOME-PRETAX>                                1543843
<INCOME-PRE-EXTRAORDINARY>                     1543843
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    943488
<EPS-BASIC>                                       0.59
<EPS-DILUTED>                                     0.59
<YIELD-ACTUAL>                                    4.10
<LOANS-NON>                                          0
<LOANS-PAST>                                      8178
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                226215
<CHARGE-OFFS>                                       50
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                               271165
<ALLOWANCE-DOMESTIC>                            271165
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>


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