RFS BANCORP INC
10KSB, EX-27.1, 2000-12-28
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9

<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          SEP-30-2000
<PERIOD-START>                             OCT-01-1999
<PERIOD-END>                               SEP-30-2000
<CASH>                                           2,116
<INT-BEARING-DEPOSITS>                           2,814
<FED-FUNDS-SOLD>                                 1,096
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      6,806
<INVESTMENTS-CARRYING>                          31,890
<INVESTMENTS-MARKET>                            31,499
<LOANS>                                         86,292
<ALLOWANCE>                                        746
<TOTAL-ASSETS>                                 136,944
<DEPOSITS>                                      92,449
<SHORT-TERM>                                    25,308
<LIABILITIES-OTHER>                                352
<LONG-TERM>                                      8,596
                                0
                                          0
<COMMON>                                             9
<OTHER-SE>                                      10,230
<TOTAL-LIABILITIES-AND-EQUITY>                 136,944
<INTEREST-LOAN>                                  6,228
<INTEREST-INVEST>                                2,522
<INTEREST-OTHER>                                   168
<INTEREST-TOTAL>                                 8,918
<INTEREST-DEPOSIT>                               2,791
<INTEREST-EXPENSE>                               4,706
<INTEREST-INCOME-NET>                            4,212
<LOAN-LOSSES>                                      144
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,612
<INCOME-PRETAX>                                    864
<INCOME-PRE-EXTRAORDINARY>                         864
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       566
<EPS-BASIC>                                        .64
<EPS-DILUTED>                                      .64
<YIELD-ACTUAL>                                    7.60
<LOANS-NON>                                          0
<LOANS-PAST>                                       489
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   624
<CHARGE-OFFS>                                       22
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  746
<ALLOWANCE-DOMESTIC>                               746
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>


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