<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from consolidated
financial statements and notes thereto to Jefferson Savings Bancorp, Inc. at and
for six months ended June 30, 2000 and is qualified in its entirety by reference
to such financial statements.
</LEGEND>
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> JUN-30-2000
<CASH> 10,768,370
<INT-BEARING-DEPOSITS> 6,674,094
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 216,241,339
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 1,294,353,680
<ALLOWANCE> 7,326,373
<TOTAL-ASSETS> 1,634,213,928
<DEPOSITS> 980,893,073
<SHORT-TERM> 501,758,708
<LIABILITIES-OTHER> 20,881,519
<LONG-TERM> 0
0
0
<COMMON> 101,001
<OTHER-SE> 130,579,627
<TOTAL-LIABILITIES-AND-EQUITY> 1,634,213,928
<INTEREST-LOAN> 51,888,877
<INTEREST-INVEST> 7,017,177
<INTEREST-OTHER> 1,013,551
<INTEREST-TOTAL> 59,919,605
<INTEREST-DEPOSIT> 23,008,581
<INTEREST-EXPENSE> 37,825,684
<INTEREST-INCOME-NET> 22,094,921
<LOAN-LOSSES> 625,000
<SECURITIES-GAINS> (14,688)
<EXPENSE-OTHER> 15,236,220
<INCOME-PRETAX> 9,335,955
<INCOME-PRE-EXTRAORDINARY> 5,796,955
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 5,796,955
<EPS-BASIC> .61
<EPS-DILUTED> .61
<YIELD-ACTUAL> 2.89
<LOANS-NON> 6,807,000
<LOANS-PAST> 4,800,000
<LOANS-TROUBLED> 1,113,000
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 6,937,900
<CHARGE-OFFS> 236,527
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 7,326,373
<ALLOWANCE-DOMESTIC> 5,635,475
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 1,690,898
</TABLE>