HIGHLAND BANCORP INC
10-Q, EX-27, 2000-08-14
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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<TABLE> <S> <C>

<PAGE>

<ARTICLE> 9
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                           6,989
<INT-BEARING-DEPOSITS>                          11,332
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
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<INVESTMENTS-CARRYING>                           8,119
<INVESTMENTS-MARKET>                             7,784
<LOANS>                                        591,494
<ALLOWANCE>                                     12,755
<TOTAL-ASSETS>                                 692,847
<DEPOSITS>                                     455,977
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              8,369
<LONG-TERM>                                    175,900
                                0
                                          0
<COMMON>                                            47
<OTHER-SE>                                      52,554
<TOTAL-LIABILITIES-AND-EQUITY>                 692,847
<INTEREST-LOAN>                                 27,841
<INTEREST-INVEST>                                2,602
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                30,443
<INTEREST-DEPOSIT>                              10,426
<INTEREST-EXPENSE>                              15,720
<INTEREST-INCOME-NET>                           14,723
<LOAN-LOSSES>                                    1,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  5,473
<INCOME-PRETAX>                                  9,311
<INCOME-PRE-EXTRAORDINARY>                       5,402
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,402
<EPS-BASIC>                                       1.27
<EPS-DILUTED>                                     1.24
<YIELD-ACTUAL>                                    4.56
<LOANS-NON>                                      1,466
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 1,381
<LOANS-PROBLEM>                                  9,389
<ALLOWANCE-OPEN>                                11,951
<CHARGE-OFFS>                                      196
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                               12,755
<ALLOWANCE-DOMESTIC>                            12,755
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          3,243


</TABLE>


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