<ARTICLE>                                            9
<LEGEND>
     This schedule contains summary information extracted from the Form 10-QSB
and is qualified in its entirety by reference to such financial statements.
</LEGEND>
<CIK>                         0001094635
<NAME>                        Security Financial Bancorp, Inc.
<MULTIPLIER>                                   1,000
<CURRENCY>                                     U.S. Dollars

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                                 JUN-30-2000
<PERIOD-START>                                    JUL-01-1999
<PERIOD-END>                                      DEC-31-1999
<EXCHANGE-RATE>                                           1
<CASH>                                                5,640
<INT-BEARING-DEPOSITS>                               16,870
<FED-FUNDS-SOLD>                                          0
<TRADING-ASSETS>                                          0
<INVESTMENTS-HELD-FOR-SALE>                          21,802
<INVESTMENTS-CARRYING>                                    0
<INVESTMENTS-MARKET>                                      0
<LOANS>                                             139,132
<ALLOWANCE>                                           1,478
<TOTAL-ASSETS>                                      195,730
<DEPOSITS>                                          175,098
<SHORT-TERM>                                              0
<LIABILITIES-OTHER>                                   1,824
<LONG-TERM>                                               0
<PREFERRED-MANDATORY>                                     0
<PREFERRED>                                               0
<COMMON>                                                  0
<OTHER-SE>                                           18,808
<TOTAL-LIABILITIES-AND-EQUITY>                      195,730
<INTEREST-LOAN>                                       6,043
<INTEREST-INVEST>                                       729
<INTEREST-OTHER>                                        122
<INTEREST-TOTAL>                                      6,894
<INTEREST-DEPOSIT>                                    3,103
<INTEREST-EXPENSE>                                    3,184
<INTEREST-INCOME-NET>                                 3,710
<LOAN-LOSSES>                                           100
<SECURITIES-GAINS>                                        0
<EXPENSE-OTHER>                                       3,929
<INCOME-PRETAX>                                         363
<INCOME-PRE-EXTRAORDINARY>                                0
<EXTRAORDINARY>                                           0
<CHANGES>                                                 0
<NET-INCOME>                                            363
<EPS-BASIC>                                               0
<EPS-DILUTED>                                             0
<YIELD-ACTUAL>                                         7.94
<LOANS-NON>                                           2,080
<LOANS-PAST>                                              0
<LOANS-TROUBLED>                                          0
<LOANS-PROBLEM>                                         132
<ALLOWANCE-OPEN>                                      1,469
<CHARGE-OFFS>                                           109
<RECOVERIES>                                             18
<ALLOWANCE-CLOSE>                                     1,478
<ALLOWANCE-DOMESTIC>                                  1,478
<ALLOWANCE-FOREIGN>                                       0
<ALLOWANCE-UNALLOCATED>                                  95