EFC BANCORP INC
10-Q, EX-27, 2000-11-13
SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED
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<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE FORM
10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                           2,415
<INT-BEARING-DEPOSITS>                          19,232
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     72,485
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        453,443
<ALLOWANCE>                                      1,810
<TOTAL-ASSETS>                                 568,188
<DEPOSITS>                                     362,941
<SHORT-TERM>                                    25,000
<LIABILITIES-OTHER>                              6,025
<LONG-TERM>                                    108,200
                                0
                                          0
<COMMON>                                            75
<OTHER-SE>                                      65,947
<TOTAL-LIABILITIES-AND-EQUITY>                 568,188
<INTEREST-LOAN>                                 24,280
<INTEREST-INVEST>                                4,811
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                29,091
<INTEREST-DEPOSIT>                              11,842
<INTEREST-EXPENSE>                              16,817
<INTEREST-INCOME-NET>                           12,274
<LOAN-LOSSES>                                      267
<SECURITIES-GAINS>                                 150
<EXPENSE-OTHER>                                  8,483
<INCOME-PRETAX>                                  4,535
<INCOME-PRE-EXTRAORDINARY>                       4,535
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,920
<EPS-BASIC>                                        .66
<EPS-DILUTED>                                      .66
<YIELD-ACTUAL>                                    7.40
<LOANS-NON>                                      4,994
<LOANS-PAST>                                     4,994
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,545
<CHARGE-OFFS>                                        3
<RECOVERIES>                                         1
<ALLOWANCE-CLOSE>                                1,810
<ALLOWANCE-DOMESTIC>                             1,810
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                             15


</TABLE>


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