<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
CONSOLIDATED  FINANCIAL  STATEMENTS OF EAST TEXAS FINANCIAL  SERVICES,  INC., AT
MARCH 31, 2000,  AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                                            6-MOS
<FISCAL-YEAR-END>                                  SEP-30-2000
<PERIOD-END>                                       MAR-31-2000
<CASH>                                               1,384,331
<INT-BEARING-DEPOSITS>                                 418,408
<FED-FUNDS-SOLD>                                             0
<TRADING-ASSETS>                                             0
<INVESTMENTS-HELD-FOR-SALE>                         42,797,709
<INVESTMENTS-CARRYING>                              33,589,948
<INVESTMENTS-MARKET>                                32,857,844
<LOANS>                                             70,668,125
<ALLOWANCE>                                            277,899
<TOTAL-ASSETS>                                     158,179,979
<DEPOSITS>                                          83,095,124
<SHORT-TERM>                                        46,489,000
<LIABILITIES-OTHER>                                    883,954
<LONG-TERM>                                         11,288,063
<PREFERRED-MANDATORY>                                        0
<PREFERRED>                                                  0
<COMMON>                                                18,845
<OTHER-SE>                                          16,404,992
<TOTAL-LIABILITIES-AND-EQUITY>                     158,179,979
<INTEREST-LOAN>                                      2,648,620
<INTEREST-INVEST>                                    2,652,427
<INTEREST-OTHER>                                             0
<INTEREST-TOTAL>                                     5,301,047
<INTEREST-DEPOSIT>                                   2,037,824
<INTEREST-EXPENSE>                                   3,623,359
<INTEREST-INCOME-NET>                                1,677,688
<LOAN-LOSSES>                                              402
<SECURITIES-GAINS>                                           0
<EXPENSE-OTHER>                                        117,570
<INCOME-PRETAX>                                        237,267
<INCOME-PRE-EXTRAORDINARY>                             237,267
<EXTRAORDINARY>                                              0
<CHANGES>                                                    0
<NET-INCOME>                                           146,562
<EPS-BASIC>                                               0.13
<EPS-DILUTED>                                             0.12
<YIELD-ACTUAL>                                            7.02
<LOANS-NON>                                            182,000
<LOANS-PAST>                                                 0
<LOANS-TROUBLED>                                             0
<LOANS-PROBLEM>                                        374,000
<ALLOWANCE-OPEN>                                       270,084
<CHARGE-OFFS>                                            2,231
<RECOVERIES>                                            10,046
<ALLOWANCE-CLOSE>                                      277,899
<ALLOWANCE-DOMESTIC>                                    65,312
<ALLOWANCE-FOREIGN>                                          0
<ALLOWANCE-UNALLOCATED>                                215,587


</TABLE>