<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
         THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S  UNAUDITED  CONSOLIDATED  FINANCIAL  STATEMENTS FOR THE NINE MONTHS
ENDED JUNE 30,  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>                   9-MOS
<FISCAL-YEAR-END>                              Sep-30-1997
<PERIOD-START>                                 OCT-1-1996
<PERIOD-END>                                   JUN-30-1997
<EXCHANGE-RATE>                                1.000
<CASH>                                         860,772
<INT-BEARING-DEPOSITS>                         1,383,805
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    7,568,324
<INVESTMENTS-CARRYING>                         1,051,297
<INVESTMENTS-MARKET>                           1,052,472
<LOANS>                                        75,005,235
<ALLOWANCE>                                    366,420
<TOTAL-ASSETS>                                 88,775,683
<DEPOSITS>                                     64,001,250
<SHORT-TERM>                                   0
<LIABILITIES-OTHER>                            686,555
<LONG-TERM>                                    17,061,071
<COMMON>                                       1,358,123
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<OTHER-SE>                                     5,668,684
<TOTAL-LIABILITIES-AND-EQUITY>                 88,775,683
<INTEREST-LOAN>                                4,466,230
<INTEREST-INVEST>                              452,587
<INTEREST-OTHER>                               40,942
<INTEREST-TOTAL>                               4,959,759
<INTEREST-DEPOSIT>                             2,257,142
<INTEREST-EXPENSE>                             2,897,168
<INTEREST-INCOME-NET>                          2,062,591
<LOAN-LOSSES>                                  77,000
<SECURITIES-GAINS>                             0
<EXPENSE-OTHER>                                1,627,757
<INCOME-PRETAX>                                608,045
<INCOME-PRE-EXTRAORDINARY>                     380,728
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   380,728
<EPS-PRIMARY>                                  .67
<EPS-DILUTED>                                  .67
<YIELD-ACTUAL>                                 7.98
<LOANS-NON>                                    752,000
<LOANS-PAST>                                   0
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                752,000
<ALLOWANCE-OPEN>                               348,900
<CHARGE-OFFS>                                  0
<RECOVERIES>                                   0
<ALLOWANCE-CLOSE>                              366,420
<ALLOWANCE-DOMESTIC>                           366,420
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        366,420
        


</TABLE>