<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 six months ended June 30, 2000 and is qualified in its entirety by reference
to such financial statements.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-END>                                   JUN-30-2000
<CASH>                                           10,768,370
<INT-BEARING-DEPOSITS>                            6,674,094
<FED-FUNDS-SOLD>                                          0
<TRADING-ASSETS>                                          0
<INVESTMENTS-HELD-FOR-SALE>                     216,241,339
<INVESTMENTS-CARRYING>                                    0
<INVESTMENTS-MARKET>                                      0
<LOANS>                                       1,294,353,680
<ALLOWANCE>                                       7,326,373
<TOTAL-ASSETS>                                1,634,213,928
<DEPOSITS>                                      980,893,073
<SHORT-TERM>                                    501,758,708
<LIABILITIES-OTHER>                              20,881,519
<LONG-TERM>                                               0
<PREFERRED-MANDATORY>                                     0
<PREFERRED>                                               0
<COMMON>                                            101,001
<OTHER-SE>                                      130,579,627
<TOTAL-LIABILITIES-AND-EQUITY>                1,634,213,928
<INTEREST-LOAN>                                  51,888,877
<INTEREST-INVEST>                                 7,017,177
<INTEREST-OTHER>                                  1,013,551
<INTEREST-TOTAL>                                 59,919,605
<INTEREST-DEPOSIT>                               23,008,581
<INTEREST-EXPENSE>                               37,825,684
<INTEREST-INCOME-NET>                            22,094,921
<LOAN-LOSSES>                                       625,000
<SECURITIES-GAINS>                                  (14,688)
<EXPENSE-OTHER>                                  15,236,220
<INCOME-PRETAX>                                   9,335,955
<INCOME-PRE-EXTRAORDINARY>                        5,796,955
<EXTRAORDINARY>                                           0
<CHANGES>                                                 0
<NET-INCOME>                                      5,796,955
<EPS-BASIC>                                             .61
<EPS-DILUTED>                                           .61
<YIELD-ACTUAL>                                         2.89
<LOANS-NON>                                       6,807,000
<LOANS-PAST>                                      4,800,000
<LOANS-TROUBLED>                                  1,113,000
<LOANS-PROBLEM>                                           0
<ALLOWANCE-OPEN>                                  6,937,900
<CHARGE-OFFS>                                       236,527
<RECOVERIES>                                              0
<ALLOWANCE-CLOSE>                                 7,326,373
<ALLOWANCE-DOMESTIC>                              5,635,475
<ALLOWANCE-FOREIGN>                                       0
<ALLOWANCE-UNALLOCATED>                           1,690,898



</TABLE>