<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS FINANCIAL INFORMATION  EXTRACTED FROM THE UNAUDITED
CONSOLIDATED FINANCIAL STATEMENTS FOR PFSB BANCORP, INC. FOR THE THREE MONTHS
ENDED DECEMBER 31, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
UNAUDITED FINANCIAL STATEMENTS.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          SEP-30-2000
<PERIOD-START>                             OCT-01-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                             648
<INT-BEARING-DEPOSITS>                           1,615
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      9,737
<INVESTMENTS-CARRYING>                          11,008
<INVESTMENTS-MARKET>                            10,630
<LOANS>                                         42,086
<ALLOWANCE>                                        280
<TOTAL-ASSETS>                                  66,462
<DEPOSITS>                                      52,552
<SHORT-TERM>                                     4,000
<LIABILITIES-OTHER>                                253
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             6
<OTHER-SE>                                       9,651
<TOTAL-LIABILITIES-AND-EQUITY>                  66,462
<INTEREST-LOAN>                                    778
<INTEREST-INVEST>                                  327
<INTEREST-OTHER>                                    14
<INTEREST-TOTAL>                                 1,119
<INTEREST-DEPOSIT>                                 637
<INTEREST-EXPENSE>                                 678
<INTEREST-INCOME-NET>                              441
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    349
<INCOME-PRETAX>                                    106
<INCOME-PRE-EXTRAORDINARY>                          67
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                        67
<EPS-BASIC>                                        .14
<EPS-DILUTED>                                      .14
<YIELD-ACTUAL>                                    2.73
<LOANS-NON>                                        260
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   280
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  280
<ALLOWANCE-DOMESTIC>                               231
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                             49


</TABLE>