WFS FINANCIAL INC
10-Q, EX-27, 2000-11-14
PERSONAL CREDIT INSTITUTIONS
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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>                                          28,710
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      6,996
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      2,228,922
<ALLOWANCE>                                     62,666
<TOTAL-ASSETS>                               2,778,560
<DEPOSITS>                                           0
<SHORT-TERM>                                   295,351
<LIABILITIES-OTHER>                            658,816
<LONG-TERM>                                  1,525,571
                                0
                                          0
<COMMON>                                       111,920
<OTHER-SE>                                     186,902
<TOTAL-LIABILITIES-AND-EQUITY>               2,778,560
<INTEREST-LOAN>                                217,923
<INTEREST-INVEST>                                    0
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                               217,923
<INTEREST-DEPOSIT>                                   0
<INTEREST-EXPENSE>                              89,232
<INTEREST-INCOME-NET>                          128,691
<LOAN-LOSSES>                                   47,893
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                142,059
<INCOME-PRETAX>                                 81,743
<INCOME-PRE-EXTRAORDINARY>                      48,221
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    48,221
<EPS-BASIC>                                       1.72
<EPS-DILUTED>                                     1.71
<YIELD-ACTUAL>                                   13.94
<LOANS-NON>                                          0
<LOANS-PAST>                                     4,986
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                36,682
<CHARGE-OFFS>                                   31,618
<RECOVERIES>                                     9,709
<ALLOWANCE-CLOSE>                               62,666
<ALLOWANCE-DOMESTIC>                            62,666
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>


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