<TABLE> <S> <C>

                <ARTICLE> 9
                <LEGEND>
                This schedule contains summary financial information extracted
                from consolidated financial statements and notes thereto of
                Jefferson Savings Bancorp, Inc. at and for the six months ended
                June 30, 1997 and is qualified in its entirety by reference to
                such financial statements.  Dollar amounts (other than per share
                data) is in thousands.
                
                <MULTIPLIER>  1,000
                       
                <S>                             <C>
                <PERIOD-TYPE>                   6-MOS
                <FISCAL-YEAR-END>                          DEC-31-1997
                <PERIOD-END>                               JUN-30-1997
                <CASH>                                     8,779
                <INT-BEARING-DEPOSITS>                     14,453
                <FED-FUNDS-SOLD>                           3,765
                <TRADING-ASSETS>                           0
                <INVESTMENTS-HELD-FOR-SALE>                236,774
                <INVESTMENTS-CARRYING>                     0
                <INVESTMENTS-MARKET>                       0
                <LOANS>                                    979,289
                <ALLOWANCE>                                8,255
                <TOTAL-ASSETS>                             1,292,021
                <DEPOSITS>                                 1,076,094
                <SHORT-TERM>                               87,202
                <LIABILITIES-OTHER>                        18,419
                <LONG-TERM>                                0
                <PREFERRED-MANDATORY>                      0
                <PREFERRED>                                0
                <COMMON>                                   50
                <OTHER-SE>                                 110,256
                <TOTAL-LIABILITIES-AND-EQUITY>             1,292,021
                <INTEREST-LOAN>                            39,551
                <INTEREST-INVEST>                          7,233
                <INTEREST-OTHER>                           970
                <INTEREST-TOTAL>                           47,754
                <INTEREST-DEPOSIT>                         25,982
                <INTEREST-EXPENSE>                         28,735
                <INTEREST-INCOME-NET>                      19,019
                <LOAN-LOSSES>                              912
                <SECURITIES-GAINS>                         0
                <EXPENSE-OTHER>                            10,999
                <INCOME-PRETAX>                            8,566
                <INCOME-PRE-EXTRAORDINARY>                 8,566
                <EXTRAORDINARY>                            0
                <CHANGES>                                  0
                <NET-INCOME>                               5,292
                <EPS-PRIMARY>                              1.15
                <EPS-DILUTED>                              1.15
                <YIELD-ACTUAL>                             3.18
                <LOANS-NON>                                1,609
                <LOANS-PAST>                               0
                <LOANS-TROUBLED>                           176
                <LOANS-PROBLEM>                            3,207
                <ALLOWANCE-OPEN>                           6,529
                <CHARGE-OFFS>                              342
                <RECOVERIES>                               0
                <ALLOWANCE-CLOSE>                          8,255
                <ALLOWANCE-DOMESTIC>                       6,963
                <ALLOWANCE-FOREIGN>                        0
                <ALLOWANCE-UNALLOCATED>                    1,292
                        
                
</TABLE>