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<TABLE> <S> <C>
<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS FINANCIAL INFORMATION EXTRACTED FROM THE UNAUDITED
CONSOLIDATED FINANCIAL STATEMENTS FOR PFSB BANCORP, INC. FOR THE NINE MONTHS
ENDED JUNE 30, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
UNAUDITED FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> SEP-30-2000
<PERIOD-START> OCT-1-1999
<PERIOD-END> JUN-30-2000
<CASH> 423
<INT-BEARING-DEPOSITS> 1,140
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 8,793
<INVESTMENTS-CARRYING> 7,426
<INVESTMENTS-MARKET> 0
<LOANS> 43,353
<ALLOWANCE> 280
<TOTAL-ASSETS> 66,250
<DEPOSITS> 53,112
<SHORT-TERM> 3,750
<LIABILITIES-OTHER> 221
<LONG-TERM> 0
0
0
<COMMON> 6
<OTHER-SE> 9,161
<TOTAL-LIABILITIES-AND-EQUITY> 66,250
<INTEREST-LOAN> 2,374
<INTEREST-INVEST> 1,004
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 3,378
<INTEREST-DEPOSIT> 1,921
<INTEREST-EXPENSE> 2,079
<INTEREST-INCOME-NET> 1,299
<LOAN-LOSSES> 0
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 1,077
<INCOME-PRETAX> 222
<INCOME-PRE-EXTRAORDINARY> 147
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 147
<EPS-BASIC> 0.33
<EPS-DILUTED> 0.33
<YIELD-ACTUAL> 2.71
<LOANS-NON> 212
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 280
<CHARGE-OFFS> 0
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 280
<ALLOWANCE-DOMESTIC> 233
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 47
</TABLE>
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