<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>                   9-MOS
<FISCAL-YEAR-END>               SEP-30-1998
<PERIOD-START>                  APR-01-1998
<PERIOD-END>                    JUN-30-1998
<EXCHANGE-RATE>                 1
<CASH>                                         3,033,891
<INT-BEARING-DEPOSITS>                       229,026,898
<FED-FUNDS-SOLD>                                       0
<TRADING-ASSETS>                                       0
<INVESTMENTS-HELD-FOR-SALE>                    5,903,500
<INVESTMENTS-CARRYING>                        75,085,981
<INVESTMENTS-MARKET>                          75,488,000
<LOANS>                                      191,821,678
<ALLOWANCE>                                    1,681,000
<TOTAL-ASSETS>                               340,998,576
<DEPOSITS>                                   229,026,898
<SHORT-TERM>                                  78,000,000
<LIABILITIES-OTHER>                            5,241,241
<LONG-TERM>                                            0
<PREFERRED-MANDATORY>                                  0
<PREFERRED>                                            0
<COMMON>                                               0
<OTHER-SE>                                             0
<TOTAL-LIABILITIES-AND-EQUITY>               340,998,576
<INTEREST-LOAN>                               10,046,244
<INTEREST-INVEST>                              5,492,602
<INTEREST-OTHER>                                 741,873
<INTEREST-TOTAL>                              16,280,719
<INTEREST-DEPOSIT>                             6,707,177
<INTEREST-EXPENSE>                             8,734,106
<INTEREST-INCOME-NET>                          7,546,613
<LOAN-LOSSES>                                    313,182
<SECURITIES-GAINS>                               131,212
<EXPENSE-OTHER>                                4,274,075
<INCOME-PRETAX>                                3,781,960
<INCOME-PRE-EXTRAORDINARY>                     3,781,960
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                   2,216,396
<EPS-PRIMARY>                                       1.37
<EPS-DILUTED>                                       1.31
<YIELD-ACTUAL>                                      7.44
<LOANS-NON>                                    1,865,000
<LOANS-PAST>                                     542,000
<LOANS-TROUBLED>                                       0
<LOANS-PROBLEM>                                        0
<ALLOWANCE-OPEN>                               1,616,000
<CHARGE-OFFS>                                     65,000
<RECOVERIES>                                      12,000
<ALLOWANCE-CLOSE>                              1,681,000
<ALLOWANCE-DOMESTIC>                           1,681,000
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                        1,203,000
        


</TABLE>