ADVANCE FINANCIAL BANCORP
10QSB, EX-27, 2000-11-06
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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<TABLE> <S> <C>


<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     QUARTERLY  REPORT  ON FORM  10-QSB  AND IS  QUALIFIED  IN ITS  ENTIRETY  BY
     REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000

<S>                                       <C>
<PERIOD-TYPE>                                 3-MOS
<FISCAL-YEAR-END>                             JUN-30-2001
<PERIOD-END>                                  SEP-30-2000
<CASH>                                          1,010
<INT-BEARING-DEPOSITS>                          4,622
<FED-FUNDS-SOLD>                                    0
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                     9,866
<INVESTMENTS-CARRYING>                          3,210
<INVESTMENTS-MARKET>                            3,129
<LOANS>                                       122,709
<ALLOWANCE>                                       700
<TOTAL-ASSETS>                                147,892
<DEPOSITS>                                    120,423
<SHORT-TERM>                                    3,500
<LIABILITIES-OTHER>                               610
<LONG-TERM>                                     8,000
                               0
                                         0
<COMMON>                                          108
<OTHER-SE>                                     15,250
<TOTAL-LIABILITIES-AND-EQUITY>                147,892
<INTEREST-LOAN>                                 2,543
<INTEREST-INVEST>                                 291
<INTEREST-OTHER>                                    0
<INTEREST-TOTAL>                                2,834
<INTEREST-DEPOSIT>                              1,437
<INTEREST-EXPENSE>                              1,602
<INTEREST-INCOME-NET>                           1,232
<LOAN-LOSSES>                                      30
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                 1,027
<INCOME-PRETAX>                                   358
<INCOME-PRE-EXTRAORDINARY>                        217
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                      217
<EPS-BASIC>                                      0.25
<EPS-DILUTED>                                    0.25
<YIELD-ACTUAL>                                   3.56
<LOANS-NON>                                       490
<LOANS-PAST>                                      302
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                  682
<CHARGE-OFFS>                                      14
<RECOVERIES>                                        2
<ALLOWANCE-CLOSE>                                 700
<ALLOWANCE-DOMESTIC>                              700
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0



</TABLE>


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