<ARTICLE> 9
<LEGEND>
This schedule contains financial information extracted from the consolidated
financial statements of Pulaski Financial Corp. for the quarter ended
December 31, 1998 and is qualified in its entirety by reference to such
financial statements.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             OCT-01-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                           3,588
<INT-BEARING-DEPOSITS>                          13,000
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      3,180
<INVESTMENTS-CARRYING>                          23,430
<INVESTMENTS-MARKET>                            23,757
<LOANS>                                        166,783
<ALLOWANCE>                                        796
<TOTAL-ASSETS>                                 216,554
<DEPOSITS>                                     157,137
<SHORT-TERM>                                     4,900
<LIABILITIES-OTHER>                              2,923
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            40
<OTHER-SE>                                      51,554
<TOTAL-LIABILITIES-AND-EQUITY>                 216,554
<INTEREST-LOAN>                                  3,086
<INTEREST-INVEST>                                  419
<INTEREST-OTHER>                                   120
<INTEREST-TOTAL>                                 3,625
<INTEREST-DEPOSIT>                               1,741
<INTEREST-EXPENSE>                               1,857
<INTEREST-INCOME-NET>                            1,768
<LOAN-LOSSES>                                       40
<SECURITIES-GAINS>                                   2
<EXPENSE-OTHER>                                  1,454
<INCOME-PRETAX>                                    778
<INCOME-PRE-EXTRAORDINARY>                         778
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       489
<EPS-PRIMARY>                                        0
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    7.33
<LOANS-NON>                                        936
<LOANS-PAST>                                       519
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   763
<CHARGE-OFFS>                                       15
<RECOVERIES>                                         9
<ALLOWANCE-CLOSE>                                  796
<ALLOWANCE-DOMESTIC>                               220
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            576