<ARTICLE>        9
<CIK>                 0000828944
<NAME>                WSFS FINANCIAL CORPORATION
<MULTIPLIER>                                   1,000
<CURRENCY>                                       U.S.

                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                         DEC-31-1999
<PERIOD-START>                            JAN-01-1999
<PERIOD-END>                              DEC-31-1999
<EXCHANGE-RATE>                                     1
<CASH>                                         59,166
<INT-BEARING-DEPOSITS>                          8,026
<FED-FUNDS-SOLD>                                    0
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                   217,785
<INVESTMENTS-CARRYING>                        267,437
<INVESTMENTS-MARKET>                          258,499
<LOANS>                                       904,209
<ALLOWANCE>                                    23,024
<TOTAL-ASSETS>                              1,753,820
<DEPOSITS>                                    910,090
<SHORT-TERM>                                  157,465
<LIABILITIES-OTHER>                            20,006
<LONG-TERM>                                   565,000
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                       16,418
<OTHER-SE>                                     79,735
<TOTAL-LIABILITIES-AND-EQUITY>              1,753,820
<INTEREST-LOAN>                                67,042
<INTEREST-INVEST>                              32,882
<INTEREST-OTHER>                               10,256
<INTEREST-TOTAL>                              110,180
<INTEREST-DEPOSIT>                             33,142
<INTEREST-EXPENSE>                             71,370
<INTEREST-INCOME-NET>                          38,810
<LOAN-LOSSES>                                   1,004
<SECURITIES-GAINS>                              (602)
<EXPENSE-OTHER>                                44,500
<INCOME-PRETAX>                                19,940
<INCOME-PRE-EXTRAORDINARY>                     18,737
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                   19,709
<EPS-BASIC>                                      1.74
<EPS-DILUTED>                                    1.73
<YIELD-ACTUAL>                                   7.92
<LOANS-NON>                                     7,365
<LOANS-PAST>                                      944
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                               23,689
<CHARGE-OFFS>                                   2,317
<RECOVERIES>                                      648
<ALLOWANCE-CLOSE>                              23,024
<ALLOWANCE-DOMESTIC>                           23,024
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0