GUARANTY FEDERAL BANCSHARES INC
10-Q, EX-27, 2000-11-14
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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<TABLE> <S> <C>

<PAGE>

<ARTICLE> 9
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          JUN-30-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                           2,052
<INT-BEARING-DEPOSITS>                           6,296
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     16,529
<INVESTMENTS-CARRYING>                           6,411
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        303,226
<ALLOWANCE>                                      2,548
<TOTAL-ASSETS>                                 349,768
<DEPOSITS>                                     140,221
<SHORT-TERM>                                   148,007
<LIABILITIES-OTHER>                              6,947
<LONG-TERM>                                          0
                                0
                                          0
<COMMON>                                           625
<OTHER-SE>                                      53,969
<TOTAL-LIABILITIES-AND-EQUITY>                 349,768
<INTEREST-LOAN>                                  5,968
<INTEREST-INVEST>                                  294
<INTEREST-OTHER>                                   276
<INTEREST-TOTAL>                                 6,538
<INTEREST-DEPOSIT>                               1,629
<INTEREST-EXPENSE>                               3,846
<INTEREST-INCOME-NET>                            2,692
<LOAN-LOSSES>                                     (44)
<SECURITIES-GAINS>                                   1
<EXPENSE-OTHER>                                  1,739
<INCOME-PRETAX>                                  1,363
<INCOME-PRE-EXTRAORDINARY>                         863
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       863
<EPS-BASIC>                                       0.19
<EPS-DILUTED>                                     0.19
<YIELD-ACTUAL>                                    3.26
<LOANS-NON>                                      4,708
<LOANS-PAST>                                     4,708
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,520
<CHARGE-OFFS>                                        5
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                2,548
<ALLOWANCE-DOMESTIC>                             2,548
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>


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