<TABLE> <S> <C>

<ARTICLE> 5
<LEGEND>
This schedule contains summary financial information extracted from the
consolidated financial statements of American Business Financial Services, Inc.
and Subsidiaries as of September 30, 2000 and the three months then ended and is
qualified in its entirety by reference to such financial statements.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          JUN-30-2001
<PERIOD-END>                               SEP-30-2000
<CASH>                                          68,927
<SECURITIES>                                         0
<RECEIVABLES>                                   90,772
<ALLOWANCES>                                     1,596
<INVENTORY>                                          0
<CURRENT-ASSETS>                               224,802
<PP&E>                                          32,122
<DEPRECIATION>                                  13,102
<TOTAL-ASSETS>                                 627,740
<CURRENT-LIABILITIES>                          294,182
<BONDS>                                              0
                                0
                                          0
<COMMON>                                             4
<OTHER-SE>                                      63,120
<TOTAL-LIABILITY-AND-EQUITY>                   627,740
<SALES>                                              0
<TOTAL-REVENUES>                                38,423
<CGS>                                                0
<TOTAL-COSTS>                                   36,167
<OTHER-EXPENSES>                                     0
<LOSS-PROVISION>                                   868
<INTEREST-EXPENSE>                              12,807
<INCOME-PRETAX>                                  2,256
<INCOME-TAX>                                       902
<INCOME-CONTINUING>                              1,354
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,354
<EPS-BASIC>                                       0.41
<EPS-DILUTED>                                     0.40


</TABLE>



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