UNION FINANCIAL BANCSHARES INC
10KSB40, EX-27, 2000-12-27
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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<TABLE> <S> <C>

<PAGE>

<ARTICLE> 9
<LEGEND>
This schedule contains financial information extracted from the consolidated
financial statements of Union Financial Bancshares, Inc. for the year ended
September 30, 2000 and is qualified in its entirety by reference to such
financial statements.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          SEP-30-2000
<PERIOD-START>                             OCT-01-1999
<PERIOD-END>                               SEP-30-2000
<CASH>                                           2,068
<INT-BEARING-DEPOSITS>                           2,545
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     29,240
<INVESTMENTS-CARRYING>                          37,652
<INVESTMENTS-MARKET>                            35,797
<LOANS>                                        167,807
<ALLOWANCE>                                      1,360
<TOTAL-ASSETS>                                 259,064
<DEPOSITS>                                     187,974
<SHORT-TERM>                                    25,187
<LIABILITIES-OTHER>                              1,479
<LONG-TERM>                                     22,500
                                0
                                          0
<COMMON>                                            20
<OTHER-SE>                                      21,904
<TOTAL-LIABILITIES-AND-EQUITY>                 259,064
<INTEREST-LOAN>                                 15,272
<INTEREST-INVEST>                                3,206
<INTEREST-OTHER>                                    77
<INTEREST-TOTAL>                                18,555
<INTEREST-DEPOSIT>                               8,367
<INTEREST-EXPENSE>                              11,175
<INTEREST-INCOME-NET>                            7,380
<LOAN-LOSSES>                                      225
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  6,352
<INCOME-PRETAX>                                  3,383
<INCOME-PRE-EXTRAORDINARY>                       3,383
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,193
<EPS-BASIC>                                       1.18
<EPS-DILUTED>                                     1.16
<YIELD-ACTUAL>                                    3.10
<LOANS-NON>                                      1,116
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  2,038
<ALLOWANCE-OPEN>                                   836
<CHARGE-OFFS>                                      214
<RECOVERIES>                                        64
<ALLOWANCE-CLOSE>                                1,360
<ALLOWANCE-DOMESTIC>                             1,360
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>


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