<TABLE> <S> <C>

<ARTICLE>                                            9
<LEGEND>
     The schedule contains summary financial information for the annual report
on Form 10-K for the fiscal year ended September 30, 1998 and is qualified in
its entirety by reference of such financial statements
</LEGEND>
<CIK>                         0001021206
<NAME>                        DELPHOS CITIZENS BANCORP, INC.
<MULTIPLIER>                                   1
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                              SEP-30-1998
<PERIOD-START>                                 OCT-01-1997
<PERIOD-END>                                   SEP-30-1998
<CASH>                                         1,193,373
<INT-BEARING-DEPOSITS>                         424,953
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    4,600,317
<INVESTMENTS-CARRYING>                         9,004,455
<INVESTMENTS-MARKET>                           9,368,774
<LOANS>                                        98,485,733
<ALLOWANCE>                                    118,360
<TOTAL-ASSETS>                                 115,900,785
<DEPOSITS>                                     79,074,391
<SHORT-TERM>                                   10,000,000
<LIABILITIES-OTHER>                            766,496
<LONG-TERM>                                    0
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       20,476
<OTHER-SE>                                     26,039,417
<TOTAL-LIABILITIES-AND-EQUITY>                 115,900,785
<INTEREST-LOAN>                                7,048,979
<INTEREST-INVEST>                              1,076,196
<INTEREST-OTHER>                               158,662
<INTEREST-TOTAL>                               8,283,837
<INTEREST-DEPOSIT>                             3,846,120
<INTEREST-EXPENSE>                             4,040,334
<INTEREST-INCOME-NET>                          4,243,503
<LOAN-LOSSES>                                  12,000
<SECURITIES-GAINS>                             0
<EXPENSE-OTHER>                                1,926,790
<INCOME-PRETAX>                                2,736,809
<INCOME-PRE-EXTRAORDINARY>                     2,733,809
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   1,652,131
<EPS-PRIMARY>                                  .96
<EPS-DILUTED>                                  .95
<YIELD-ACTUAL>                                 3.94
<LOANS-NON>                                    0
<LOANS-PAST>                                   825,000
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               106,360
<CHARGE-OFFS>                                  0
<RECOVERIES>                                   0
<ALLOWANCE-CLOSE>                              118,360
<ALLOWANCE-DOMESTIC>                           118,360
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        0
        

</TABLE>