<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 NINE MONTHS
ENDED JUNE 30, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
UNAUDITED FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          SEP-30-2000
<PERIOD-START>                              OCT-1-1999
<PERIOD-END>                               JUN-30-2000
<CASH>                                             423
<INT-BEARING-DEPOSITS>                           1,140
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      8,793
<INVESTMENTS-CARRYING>                           7,426
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         43,353
<ALLOWANCE>                                        280
<TOTAL-ASSETS>                                  66,250
<DEPOSITS>                                      53,112
<SHORT-TERM>                                     3,750
<LIABILITIES-OTHER>                                221
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             6
<OTHER-SE>                                       9,161
<TOTAL-LIABILITIES-AND-EQUITY>                  66,250
<INTEREST-LOAN>                                  2,374
<INTEREST-INVEST>                                1,004
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 3,378
<INTEREST-DEPOSIT>                               1,921
<INTEREST-EXPENSE>                               2,079
<INTEREST-INCOME-NET>                            1,299
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,077
<INCOME-PRETAX>                                    222
<INCOME-PRE-EXTRAORDINARY>                         147
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       147
<EPS-BASIC>                                       0.33
<EPS-DILUTED>                                     0.33
<YIELD-ACTUAL>                                    2.71
<LOANS-NON>                                        212
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   280
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  280
<ALLOWANCE-DOMESTIC>                               233
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                             47


</TABLE>