SFB BANCORP INC
10QSB, EX-27, 2000-08-03
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>                                 6-MOS
<FISCAL-YEAR-END>                             DEC-31-2000
<PERIOD-END>                                  JUN-30-2000
<CASH>                                            598
<INT-BEARING-DEPOSITS>                            362
<FED-FUNDS-SOLD>                                    0
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                     3,909
<INVESTMENTS-CARRYING>                            960
<INVESTMENTS-MARKET>                              889
<LOANS>                                        46,951
<ALLOWANCE>                                       370
<TOTAL-ASSETS>                                 53,153
<DEPOSITS>                                     40,663
<SHORT-TERM>                                      600
<LIABILITIES-OTHER>                               783
<LONG-TERM>                                         0
                               0
                                         0
<COMMON>                                           77
<OTHER-SE>                                     11,030
<TOTAL-LIABILITIES-AND-EQUITY>                 53,153
<INTEREST-LOAN>                                 1,780
<INTEREST-INVEST>                                 155
<INTEREST-OTHER>                                   12
<INTEREST-TOTAL>                                1,947
<INTEREST-DEPOSIT>                                944
<INTEREST-EXPENSE>                                959
<INTEREST-INCOME-NET>                             988
<LOAN-LOSSES>                                      18
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                   663
<INCOME-PRETAX>                                   407
<INCOME-PRE-EXTRAORDINARY>                        407
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                      257
<EPS-BASIC>                                       .43
<EPS-DILUTED>                                     .43
<YIELD-ACTUAL>                                   3.90
<LOANS-NON>                                       276
<LOANS-PAST>                                        0
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                  352
<CHARGE-OFFS>                                       0
<RECOVERIES>                                        0
<ALLOWANCE-CLOSE>                                 370
<ALLOWANCE-DOMESTIC>                              370
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0



</TABLE>


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