<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
This schedule contains summary financial information extracted from consolidated
financial statements and notes thereto to Jefferson Savings Bancorp, Inc. at and
for nine months  ended  September  30, 2000 and is  qualified in its entirety by
reference to such financial statements.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-END>                                   SEP-30-2000
<CASH>                                            8,795,195
<INT-BEARING-DEPOSITS>                            9,596,781
<FED-FUNDS-SOLD>                                          0
<TRADING-ASSETS>                                          0
<INVESTMENTS-HELD-FOR-SALE>                     216,072,416
<INVESTMENTS-CARRYING>                                    0
<INVESTMENTS-MARKET>                                      0
<LOANS>                                       1,390,595,653
<ALLOWANCE>                                       7,430,354
<TOTAL-ASSETS>                                1,728,251,111
<DEPOSITS>                                      917,453,715
<SHORT-TERM>                                    657,044,065
<LIABILITIES-OTHER>                              18,590,494
<LONG-TERM>                                               0
<PREFERRED-MANDATORY>                                     0
<PREFERRED>                                               0
<COMMON>                                            101,001
<OTHER-SE>                                      135,061,836
<TOTAL-LIABILITIES-AND-EQUITY>                1,728,251,111
<INTEREST-LOAN>                                  79,895,823
<INTEREST-INVEST>                                10,459,209
<INTEREST-OTHER>                                  1,591,852
<INTEREST-TOTAL>                                 91,946,884
<INTEREST-DEPOSIT>                               35,119,777
<INTEREST-EXPENSE>                               58,636,823
<INTEREST-INCOME-NET>                            33,310,061
<LOAN-LOSSES>                                       885,000
<SECURITIES-GAINS>                                  (14,688)
<EXPENSE-OTHER>                                  24,152,707
<INCOME-PRETAX>                                  14,028,224
<INCOME-PRE-EXTRAORDINARY>                        8,695,224
<EXTRAORDINARY>                                           0
<CHANGES>                                                 0
<NET-INCOME>                                      8,695,224
<EPS-BASIC>                                             .91
<EPS-DILUTED>                                           .90
<YIELD-ACTUAL>                                         2.87
<LOANS-NON>                                      10,404,000
<LOANS-PAST>                                      2,199,000
<LOANS-TROUBLED>                                  1,061,000
<LOANS-PROBLEM>                                   3,726,000
<ALLOWANCE-OPEN>                                  6,937,900
<CHARGE-OFFS>                                       393,738
<RECOVERIES>                                          1,192
<ALLOWANCE-CLOSE>                                 7,430,354
<ALLOWANCE-DOMESTIC>                              6,291,915
<ALLOWANCE-FOREIGN>                                       0
<ALLOWANCE-UNALLOCATED>                           1,138,439


</TABLE>