NETBANK INC
10-Q, EX-27.1, 2000-11-14
SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED
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<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<CIK> 0001035826
<NAME> NETBANK, INC.
<MULTIPLIER> 1,000
<CURRENCY> USD

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JUL-01-2000
<PERIOD-END>                               SEP-30-2000
<EXCHANGE-RATE>                                      1
<CASH>                                           5,491
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    404,024
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      1,228,104
<ALLOWANCE>                                     12,540
<TOTAL-ASSETS>                               1,701,123
<DEPOSITS>                                     909,261
<SHORT-TERM>                                     2,141
<LIABILITIES-OTHER>                             23,061
<LONG-TERM>                                    515,643
                                0
                                          0
<COMMON>                                           300
<OTHER-SE>                                     250,717
<TOTAL-LIABILITIES-AND-EQUITY>               1,701,123
<INTEREST-LOAN>                                 22,268
<INTEREST-INVEST>                                8,304
<INTEREST-OTHER>                                   176
<INTEREST-TOTAL>                                30,748
<INTEREST-DEPOSIT>                              13,428
<INTEREST-EXPENSE>                              21,639
<INTEREST-INCOME-NET>                            9,109
<LOAN-LOSSES>                                     (11)
<SECURITIES-GAINS>                                 180
<EXPENSE-OTHER>                                 10,726
<INCOME-PRETAX>                                  (562)
<INCOME-PRE-EXTRAORDINARY>                       (370)
<EXTRAORDINARY>                                  1,091
<CHANGES>                                            0
<NET-INCOME>                                       721
<EPS-BASIC>                                        .02
<EPS-DILUTED>                                      .02
<YIELD-ACTUAL>                                    7.51
<LOANS-NON>                                      1,343
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                10,164
<CHARGE-OFFS>                                      500
<RECOVERIES>                                       158
<ALLOWANCE-CLOSE>                               12,540
<ALLOWANCE-DOMESTIC>                            12,540
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>


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