NIAGARA BANCORP INC
10-Q, EX-27, 2000-11-14
SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED
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<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                           7,745
<INT-BEARING-DEPOSITS>                       1,373,382
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    479,980
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      1,376,697
<ALLOWANCE>                                     13,645
<TOTAL-ASSETS>                               2,040,956
<DEPOSITS>                                   1,427,304
<SHORT-TERM>                                    58,103
<LIABILITIES-OTHER>                             45,702
<LONG-TERM>                                    273,826
                                0
                                          0
<COMMON>                                           298
<OTHER-SE>                                     235,723
<TOTAL-LIABILITIES-AND-EQUITY>               2,040,956
<INTEREST-LOAN>                                 68,214
<INTEREST-INVEST>                               25,112
<INTEREST-OTHER>                                 1,879
<INTEREST-TOTAL>                                95,205
<INTEREST-DEPOSIT>                              38,034
<INTEREST-EXPENSE>                              52,422
<INTEREST-INCOME-NET>                           42,783
<LOAN-LOSSES>                                    1,515
<SECURITIES-GAINS>                                  19
<EXPENSE-OTHER>                                 43,181
<INCOME-PRETAX>                                 22,599
<INCOME-PRE-EXTRAORDINARY>                      22,599
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    14,635
<EPS-BASIC>                                       0.59
<EPS-DILUTED>                                     0.59
<YIELD-ACTUAL>                                    7.36
<LOANS-NON>                                      3,564
<LOANS-PAST>                                       695
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  3,668
<ALLOWANCE-OPEN>                                 9,862
<CHARGE-OFFS>                                      658
<RECOVERIES>                                       230
<ALLOWANCE-CLOSE>                               13,645
<ALLOWANCE-DOMESTIC>                            11,438
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,206


</TABLE>


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