<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS FINANCIAL INFORMATION EXTRACTED FROM THE CONSOLIDATED
FINANCIAL STATEMENTS OF PULASKI FINANCIAL CORP. FOR THE QUARTER ENDED DECEMBER
31, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          SEP-30-2000
<PERIOD-START>                             OCT-01-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                           4,501
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 5,800
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     25,622
<INVESTMENTS-CARRYING>                          10,986
<INVESTMENTS-MARKET>                            11,101
<LOANS>                                        190,401
<ALLOWANCE>                                      1,104
<TOTAL-ASSETS>                                 244,549
<DEPOSITS>                                     160,057
<SHORT-TERM>                                    16,300
<LIABILITIES-OTHER>                              2,037
<LONG-TERM>                                     18,300
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            40
<OTHER-SE>                                      47,816
<TOTAL-LIABILITIES-AND-EQUITY>                 244,549
<INTEREST-LOAN>                                  3,476
<INTEREST-INVEST>                                  626
<INTEREST-OTHER>                                   100
<INTEREST-TOTAL>                                 4,202
<INTEREST-DEPOSIT>                               1,592
<INTEREST-EXPENSE>                               2,003
<INTEREST-INCOME-NET>                            2,199
<LOAN-LOSSES>                                      127
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,809
<INCOME-PRETAX>                                    882
<INCOME-PRE-EXTRAORDINARY>                         882
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       566
<EPS-BASIC>                                       0.16
<EPS-DILUTED>                                     0.16
<YIELD-ACTUAL>                                    7.13
<LOANS-NON>                                        250
<LOANS-PAST>                                     1,262
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   986
<CHARGE-OFFS>                                       11
<RECOVERIES>                                         1
<ALLOWANCE-CLOSE>                                1,104
<ALLOWANCE-DOMESTIC>                               120
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            984