<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 
UNAUDITED FINANCIAL STATEMENTS OF FIRST NORTHERN CAPITAL CORP. FOR THE NINE 
MONTHS ENDED SEPTEMBER 30, 1996 AND IS QULAIFIED IN ITS ENTIRETY BY REFERENCE 
TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                           6,407
<INT-BEARING-DEPOSITS>                             148
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      7,448
<INVESTMENTS-CARRYING>                          26,983
<INVESTMENTS-MARKET>                            26,703
<LOANS>                                        547,262<F1>
<ALLOWANCE>                                      2,779
<TOTAL-ASSETS>                                 607,977
<DEPOSITS>                                     456,124
<SHORT-TERM>                                    23,020
<LIABILITIES-OTHER>                              6,854
<LONG-TERM>                                     47,600
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         4,568
<OTHER-SE>                                      64,839
<TOTAL-LIABILITIES-AND-EQUITY>                 607,977
<INTEREST-LOAN>                                 29,120
<INTEREST-INVEST>                                1,719
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                30,839
<INTEREST-DEPOSIT>                              15,200
<INTEREST-EXPENSE>                              17,070
<INTEREST-INCOME-NET>                           13,769
<LOAN-LOSSES>                                      210
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 12,681
<INCOME-PRETAX>                                  2,811
<INCOME-PRE-EXTRAORDINARY>                       2,811
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,879
<EPS-PRIMARY>                                      .41
<EPS-DILUTED>                                      .41
<YIELD-ACTUAL>                                    3.31
<LOANS-NON>                                        514
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                     22
<ALLOWANCE-OPEN>                                   150
<CHARGE-OFFS>                                       57
<RECOVERIES>                                        18
<ALLOWANCE-CLOSE>                                2,779
<ALLOWANCE-DOMESTIC>                             2,779
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>See financial statements and notes thereto in Form 10-Q.
</FN>
        

</TABLE>