<TABLE> <S> <C>


<ARTICLE>         9
<LEGEND>
     This schedule contains summary information extracted from the Form 10-Q and
is qualified in its entirety by reference to such financial statements.
</LEGEND>
<CIK>         0000855932
<NAME>        Financial Bancorp, Inc.
<MULTIPLIER>                                   1
<CURRENCY>                                     U.S. Dollars
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                              SEP-30-1998
<PERIOD-END>                                   MAR-31-1998
<EXCHANGE-RATE>                                1
<CASH>                                         4,026,358
<INT-BEARING-DEPOSITS>                                 0
<FED-FUNDS-SOLD>                              36,000,000
<TRADING-ASSETS>                                       0
<INVESTMENTS-HELD-FOR-SALE>                   25,116,583
<INVESTMENTS-CARRYING>                        60,541,349
<INVESTMENTS-MARKET>                          61,078,000
<LOANS>                                      172,122,242
<ALLOWANCE>                                    1,616,000
<TOTAL-ASSETS>                               310,090,911
<DEPOSITS>                                   228,616,660
<SHORT-TERM>                                  49,099,658
<LIABILITIES-OTHER>                            4,331,579
<LONG-TERM>                                            0
<PREFERRED-MANDATORY>                                  0
<PREFERRED>                                            0
<COMMON>                                               0
<OTHER-SE>                                    28,043,014
<TOTAL-LIABILITIES-AND-EQUITY>               310,090,911
<INTEREST-LOAN>                                6,441,668
<INTEREST-INVEST>                              3,850,547
<INTEREST-OTHER>                                 420,881
<INTEREST-TOTAL>                              10,713,096
<INTEREST-DEPOSIT>                             4,452,414
<INTEREST-EXPENSE>                             5,772,236
<INTEREST-INCOME-NET>                          4,940,860
<LOAN-LOSSES>                                    194,770
<SECURITIES-GAINS>                                94,462
<EXPENSE-OTHER>                                2,715,322
<INCOME-PRETAX>                                2,545,916
<INCOME-PRE-EXTRAORDINARY>                     2,545,916
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                   1,437,375
<EPS-PRIMARY>                                       0.89
<EPS-DILUTED>                                       0.85
<YIELD-ACTUAL>                                      7.52
<LOANS-NON>                                    2,712,000
<LOANS-PAST>                                           0
<LOANS-TROUBLED>                                       0
<LOANS-PROBLEM>                                        0
<ALLOWANCE-OPEN>                               1,526,000
<CHARGE-OFFS>                                          0
<RECOVERIES>                                       5,000
<ALLOWANCE-CLOSE>                              1,616,000
<ALLOWANCE-DOMESTIC>                           1,616,000
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                        1,180,000
        

</TABLE>