<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     This schedule contains summary financial 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>                   3-MOS
<FISCAL-YEAR-END>                              SEP-30-1998
<PERIOD-START>                                 OCT-01-1997
<PERIOD-END>                                   DEC-31-1997
<EXCHANGE-RATE>                                          1
<CASH>                                           2,546,481
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                13,250,000
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                     30,754,850
<INVESTMENTS-CARRYING>                          91,094,680
<INVESTMENTS-MARKET>                            91,710,000
<LOANS>                                        158,610,973
<ALLOWANCE>                                      1,500,000
<TOTAL-ASSETS>                                 308,247,589
<DEPOSITS>                                     219,640,479
<SHORT-TERM>                                    56,792,712
<LIABILITIES-OTHER>                              3,155,842
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                 0
<OTHER-SE>                                               0
<TOTAL-LIABILITIES-AND-EQUITY>                 308,247,589
<INTEREST-LOAN>                                  3,200,084
<INTEREST-INVEST>                                2,035,282
<INTEREST-OTHER>                                    82,954
<INTEREST-TOTAL>                                 5,318,320
<INTEREST-DEPOSIT>                               2,196,188
<INTEREST-EXPENSE>                               2,802,182
<INTEREST-INCOME-NET>                            2,516,138
<LOAN-LOSSES>                                      109,650
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                  1,355,653
<INCOME-PRETAX>                                  1,233,535
<INCOME-PRE-EXTRAORDINARY>                       1,233,535
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                       699,553
<EPS-PRIMARY>                                         0.43
<EPS-DILUTED>                                         0.42
<YIELD-ACTUAL>                                        7.55
<LOANS-NON>                                      2,633,000
<LOANS-PAST>                                       167,000
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                 1,405,000
<CHARGE-OFFS>                                            0
<RECOVERIES>                                        11,000
<ALLOWANCE-CLOSE>                                1,526,000
<ALLOWANCE-DOMESTIC>                             1,526,000
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                          1,301,000
        

</TABLE>