BANK OF KENTUCKY FINANCIAL CORP
10-Q, EX-27, 2000-08-15
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                          18,838
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 1,709
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     25,255
<INVESTMENTS-CARRYING>                          33,285
<INVESTMENTS-MARKET>                            32,761
<LOANS>                                        364,421
<ALLOWANCE>                                      3,525
<TOTAL-ASSETS>                                 455,449
<DEPOSITS>                                     344,860
<SHORT-TERM>                                    49,682
<LIABILITIES-OTHER>                              4,242
<LONG-TERM>                                     11,809
                                0
                                          0
<COMMON>                                         3,098
<OTHER-SE>                                      41,758
<TOTAL-LIABILITIES-AND-EQUITY>                 455,449
<INTEREST-LOAN>                                 15,607
<INTEREST-INVEST>                                1,802
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                17,409
<INTEREST-DEPOSIT>                               7,574
<INTEREST-EXPENSE>                               8,865
<INTEREST-INCOME-NET>                            8,544
<LOAN-LOSSES>                                      535
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  7,322
<INCOME-PRETAX>                                  2,034
<INCOME-PRE-EXTRAORDINARY>                       2,034
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,296
<EPS-BASIC>                                        .21
<EPS-DILUTED>                                      .21
<YIELD-ACTUAL>                                    8.34
<LOANS-NON>                                      1,502
<LOANS-PAST>                                     4,171
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  1,277
<ALLOWANCE-OPEN>                                 3,188
<CHARGE-OFFS>                                      215
<RECOVERIES>                                        17
<ALLOWANCE-CLOSE>                                3,525
<ALLOWANCE-DOMESTIC>                             3,525
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


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