DOWNEY FINANCIAL CORP
10-Q, EX-27, 2000-11-01
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                   1000

<S>                             <C>
<PERIOD-TYPE>                   9-mos
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-START>                                 JAN-01-2000
<PERIOD-END>                                   SEP-30-2000
<CASH>                                         16,821
<INT-BEARING-DEPOSITS>                         0
<FED-FUNDS-SOLD>                               11,102
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    229,243
<INVESTMENTS-CARRYING>                         6,726
<INVESTMENTS-MARKET>                           6,709
<LOANS>                                        9,634,310
<ALLOWANCE>                                    34,014
<TOTAL-ASSETS>                                 10,367,213
<DEPOSITS>                                     7,691,782
<SHORT-TERM>                                   1,370,543
<LIABILITIES-OTHER>                            92,304
<LONG-TERM>                                    609,960
                          0
                                    0
<COMMON>                                       282
<OTHER-SE>                                     602,342
<TOTAL-LIABILITIES-AND-EQUITY>                 10,367,213
<INTEREST-LOAN>                                557,202
<INTEREST-INVEST>                              17,383
<INTEREST-OTHER>                               0
<INTEREST-TOTAL>                               574,585
<INTEREST-DEPOSIT>                             270,409
<INTEREST-EXPENSE>                             110,638
<INTEREST-INCOME-NET>                          193,538
<LOAN-LOSSES>                                  2,740
<SECURITIES-GAINS>                             (108)
<EXPENSE-OTHER>                                101,125
<INCOME-PRETAX>                                132,682
<INCOME-PRE-EXTRAORDINARY>                     76,256
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   76,256
<EPS-BASIC>                                    2.71
<EPS-DILUTED>                                  2.70
<YIELD-ACTUAL>                                 7.84
<LOANS-NON>                                    40,232
<LOANS-PAST>                                   0
<LOANS-TROUBLED>                               209
<LOANS-PROBLEM>                                1,358
<ALLOWANCE-OPEN>                               38,342
<CHARGE-OFFS>                                  7,214
<RECOVERIES>                                   146
<ALLOWANCE-CLOSE>                              34,014
<ALLOWANCE-DOMESTIC>                           34,014
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        2,800



</TABLE>


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