<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
         THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S  UNAUDITED  CONSOLIDATED  FINANCIAL  STATEMENTS  FOR THE SIX MONTHS
ENDED MARCH 31, 1997 AND IS  QUALIFIED  IN ITS  ENTIRETY  BY  REFERENCE  TO SUCH
FINANCIAL STATEMENTS.

</LEGEND>
<CIK>                         0000876621
<NAME>                        Shelby County Bancorp
<MULTIPLIER>                                   1,000
<CURRENCY>                                     U.S. Dollars
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                              Sep-30-1997
<PERIOD-START>                                 OCT-1-1996
<PERIOD-END>                                   MAR-31-1997
<EXCHANGE-RATE>                                1.000
<CASH>                                         896,067
<INT-BEARING-DEPOSITS>                         4,915,549
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    7,285,823
<INVESTMENTS-CARRYING>                         1,124,399
<INVESTMENTS-MARKET>                           1,139,250
<LOANS>                                        70,780,133
<ALLOWANCE>                                    362,251
<TOTAL-ASSETS>                                 87,795,193
<DEPOSITS>                                     65,853,494
<SHORT-TERM>                                   0
<LIABILITIES-OTHER>                            647,284
<LONG-TERM>                                    14,564,572
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       1,358,123
<OTHER-SE>                                     5,371,720
<TOTAL-LIABILITIES-AND-EQUITY>                 87,795,193
<INTEREST-LOAN>                                2,922,909
<INTEREST-INVEST>                              321,066
<INTEREST-OTHER>                               26,269
<INTEREST-TOTAL>                               3,270,244
<INTEREST-DEPOSIT>                             1,524,856
<INTEREST-EXPENSE>                             1,913,549
<INTEREST-INCOME-NET>                          1,356,695
<LOAN-LOSSES>                                  50,000
<SECURITIES-GAINS>                             0
<EXPENSE-OTHER>                                1,072,599
<INCOME-PRETAX>                                401,805
<INCOME-PRE-EXTRAORDINARY>                     248,960
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   248,960
<EPS-PRIMARY>                                  .66
<EPS-DILUTED>                                  .66
<YIELD-ACTUAL>                                 7.95
<LOANS-NON>                                    453,000
<LOANS-PAST>                                   0
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                453,000
<ALLOWANCE-OPEN>                               348,900
<CHARGE-OFFS>                                  0
<RECOVERIES>                                   0
<ALLOWANCE-CLOSE>                              362,251
<ALLOWANCE-DOMESTIC>                           362,251
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        362,251
        


</TABLE>