DOWNEY FINANCIAL CORP
10-Q, EX-27, 2000-08-02
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>                                         19,707
<INT-BEARING-DEPOSITS>                         0
<FED-FUNDS-SOLD>                               9,600
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    213,743
<INVESTMENTS-CARRYING>                         6,727
<INVESTMENTS-MARKET>                           6,709
<LOANS>                                        9,770,359
<ALLOWANCE>                                    33,237
<TOTAL-ASSETS>                                 10,476,590
<DEPOSITS>                                     7,289,509
<SHORT-TERM>                                   1,918,521
<LIABILITIES-OTHER>                            77,492
<LONG-TERM>                                    613,572
                          0
                                    0
<COMMON>                                       282
<OTHER-SE>                                     577,214
<TOTAL-LIABILITIES-AND-EQUITY>                 10,476,590
<INTEREST-LOAN>                                359,118
<INTEREST-INVEST>                              11,097
<INTEREST-OTHER>                               0
<INTEREST-TOTAL>                               370,215
<INTEREST-DEPOSIT>                             171,452
<INTEREST-EXPENSE>                             72,435
<INTEREST-INCOME-NET>                          126,328
<LOAN-LOSSES>                                  1,733
<SECURITIES-GAINS>                             (89)
<EXPENSE-OTHER>                                68,649
<INCOME-PRETAX>                                86,890
<INCOME-PRE-EXTRAORDINARY>                     49,918
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   49,918
<EPS-BASIC>                                    1.77
<EPS-DILUTED>                                  1.77
<YIELD-ACTUAL>                                 7.71
<LOANS-NON>                                    39,954
<LOANS-PAST>                                   0
<LOANS-TROUBLED>                               210
<LOANS-PROBLEM>                                888
<ALLOWANCE-OPEN>                               38,342
<CHARGE-OFFS>                                  6,980
<RECOVERIES>                                   142
<ALLOWANCE-CLOSE>                              33,237
<ALLOWANCE-DOMESTIC>                           33,237
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        2,800



</TABLE>


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