BANK OF KENTUCKY FINANCIAL CORP
10-Q, EX-27, 2000-11-14
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                          17,480
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     23,871
<INVESTMENTS-CARRYING>                          33,087
<INVESTMENTS-MARKET>                            32,650
<LOANS>                                        370,820
<ALLOWANCE>                                      3,710
<TOTAL-ASSETS>                                 457,824
<DEPOSITS>                                     355,340
<SHORT-TERM>                                    40,456
<LIABILITIES-OTHER>                              4,271
<LONG-TERM>                                     11,753
                                0
                                          0
<COMMON>                                         3,098
<OTHER-SE>                                      42,906
<TOTAL-LIABILITIES-AND-EQUITY>                 457,824
<INTEREST-LOAN>                                224,039
<INTEREST-INVEST>                                2,666
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                26,705
<INTEREST-DEPOSIT>                              11,715
<INTEREST-EXPENSE>                              13,846
<INTEREST-INCOME-NET>                           12,859
<LOAN-LOSSES>                                      927
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 10,027
<INCOME-PRETAX>                                  3,973
<INCOME-PRE-EXTRAORDINARY>                       3,973
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,609
<EPS-BASIC>                                        .42
<EPS-DILUTED>                                      .42
<YIELD-ACTUAL>                                    8.35
<LOANS-NON>                                      1,278
<LOANS-PAST>                                     4,663
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  3,036
<ALLOWANCE-OPEN>                                 3,188
<CHARGE-OFFS>                                      430
<RECOVERIES>                                        24
<ALLOWANCE-CLOSE>                                3,710
<ALLOWANCE-DOMESTIC>                             3,710
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>


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