<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS FINANCIAL INFORMATION EXTRACTED FROM THE CONSOLIDATED
FINANCIAL STATEMENTS OF PSFB BANCORP, INC. FOR THE SIX MONTHS ENDED MARCH 31,
1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          MAR-31-1999
<PERIOD-START>                             SEP-30-1998
<PERIOD-END>                               JAN-01-1999
<CASH>                                             328
<INT-BEARING-DEPOSITS>                           8,968
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      4,324
<INVESTMENTS-CARRYING>                           6,708
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         40,665
<ALLOWANCE>                                        280
<TOTAL-ASSETS>                                  64,779
<DEPOSITS>                                      53,835
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                163
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             6
<OTHER-SE>                                      10,775
<TOTAL-LIABILITIES-AND-EQUITY>                  64,779
<INTEREST-LOAN>                                  1,555
<INTEREST-INVEST>                                  525
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 2,080
<INTEREST-DEPOSIT>                               1,353
<INTEREST-EXPENSE>                               1,361
<INTEREST-INCOME-NET>                              719
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                  11
<EXPENSE-OTHER>                                    611
<INCOME-PRETAX>                                    208
<INCOME-PRE-EXTRAORDINARY>                         132
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       132
<EPS-PRIMARY>                                     0.26
<EPS-DILUTED>                                     0.26
<YIELD-ACTUAL>                                    4.54
<LOANS-NON>                                        138
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                    66
<LOANS-PROBLEM>                                    411
<ALLOWANCE-OPEN>                                   280
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  280
<ALLOWANCE-DOMESTIC>                               237
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                             43