<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 nine months ended September 30, 2000 and is qualified in its entirety by
reference to such financial statements.
</LEGEND>
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> SEP-30-2000
<CASH> 8,795,195
<INT-BEARING-DEPOSITS> 9,596,781
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 216,072,416
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 1,390,595,653
<ALLOWANCE> 7,430,354
<TOTAL-ASSETS> 1,728,251,111
<DEPOSITS> 917,453,715
<SHORT-TERM> 657,044,065
<LIABILITIES-OTHER> 18,590,494
<LONG-TERM> 0
0
0
<COMMON> 101,001
<OTHER-SE> 135,061,836
<TOTAL-LIABILITIES-AND-EQUITY> 1,728,251,111
<INTEREST-LOAN> 79,895,823
<INTEREST-INVEST> 10,459,209
<INTEREST-OTHER> 1,591,852
<INTEREST-TOTAL> 91,946,884
<INTEREST-DEPOSIT> 35,119,777
<INTEREST-EXPENSE> 58,636,823
<INTEREST-INCOME-NET> 33,310,061
<LOAN-LOSSES> 885,000
<SECURITIES-GAINS> (14,688)
<EXPENSE-OTHER> 24,152,707
<INCOME-PRETAX> 14,028,224
<INCOME-PRE-EXTRAORDINARY> 8,695,224
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 8,695,224
<EPS-BASIC> .91
<EPS-DILUTED> .90
<YIELD-ACTUAL> 2.87
<LOANS-NON> 10,404,000
<LOANS-PAST> 2,199,000
<LOANS-TROUBLED> 1,061,000
<LOANS-PROBLEM> 3,726,000
<ALLOWANCE-OPEN> 6,937,900
<CHARGE-OFFS> 393,738
<RECOVERIES> 1,192
<ALLOWANCE-CLOSE> 7,430,354
<ALLOWANCE-DOMESTIC> 6,291,915
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 1,138,439
</TABLE>