WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

<TABLE> <S> <C>

                         DELPHOS CITIZENS BANCORP, INC.
                                 EXHIBIT NO. 27

<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED STATEMENT FINANCIAL CONDITION AND THE CONSOLIDATED STATEMENT OF
INCOME FILED AS PART OF THE ANNUAL REPORT ON FORM 10-K AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          SEP-30-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                       2,853,171
<INT-BEARING-DEPOSITS>                         847,106
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  1,864,283
<INVESTMENTS-CARRYING>                       6,804,708
<INVESTMENTS-MARKET>                         6,932,862
<LOANS>                                    113,272,857
<ALLOWANCE>                                    133,493
<TOTAL-ASSETS>                             128,227,566
<DEPOSITS>                                  76,840,590
<SHORT-TERM>                                25,000,000
<LIABILITIES-OTHER>                            899,569
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        20,476
<OTHER-SE>                                  25,466,931
<TOTAL-LIABILITIES-AND-EQUITY>             128,227,566
<INTEREST-LOAN>                              7,880,950
<INTEREST-INVEST>                              812,734
<INTEREST-OTHER>                                49,676
<INTEREST-TOTAL>                             8,743,360
<INTEREST-DEPOSIT>                           3,622,880
<INTEREST-EXPENSE>                           4,484,065
<INTEREST-INCOME-NET>                        4,259,295
<LOAN-LOSSES>                                   30,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              2,023,946
<INCOME-PRETAX>                              2,639,291
<INCOME-PRE-EXTRAORDINARY>                   2,639,291
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,702,591
<EPS-BASIC>                                       1.14
<EPS-DILUTED>                                     1.12
<YIELD-ACTUAL>                                    3.58
<LOANS-NON>                                          0
<LOANS-PAST>                                   379,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               118,360
<CHARGE-OFFS>                                   14,867
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              133,493
<ALLOWANCE-DOMESTIC>                           133,493
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>