<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS FINANCIAL INFORMATION EXTRACTED FROM THE CONSOLIDATED
FINANCIAL STATEMENTS OF PFSB BANCORP. INC. FOR THE NINE MONTHS ENDED JUNE 30,
1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>

<S>                                        <C>
<PERIOD-TYPE>                              9-MOS
<FISCAL-YEAR-END>                          SEP-30-1999
<PERIOD-START>                             OCT-01-1998
<PERIOD-END>                               JUN-30-1999
<CASH>                                             333
<INT-BEARING-DEPOSITS>                           1,269
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      9,927
<INVESTMENTS-CARRYING>                          11,389
<INVESTMENTS-MARKET>                            11,172
<LOANS>                                         40,609
<ALLOWANCE>                                        280
<TOTAL-ASSETS>                                  65,058
<DEPOSITS>                                      54,313
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                111
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             6
<OTHER-SE>                                      10,628
<TOTAL-LIABILITIES-AND-EQUITY>                  65,058
<INTEREST-LOAN>                                  2,322
<INTEREST-INVEST>                                  869
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 3,191
<INTEREST-DEPOSIT>                               2,002
<INTEREST-EXPENSE>                               2,010
<INTEREST-INCOME-NET>                            1,181
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                  44
<EXPENSE-OTHER>                                    940
<INCOME-PRETAX>                                    351
<INCOME-PRE-EXTRAORDINARY>                         229
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       229
<EPS-BASIC>                                       0.44
<EPS-DILUTED>                                     0.44
<YIELD-ACTUAL>                                    2.48
<LOANS-NON>                                        154
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    410
<ALLOWANCE-OPEN>                                   280
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  280
<ALLOWANCE-DOMESTIC>                               261
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                             19


</TABLE>