<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
UNAUDITED FINANCIAL STATEMENTS OF FIRST NORTHERN CAPITAL CORP. FOR THE FISCAL
YEAR ENDED 12-31-98 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                           6,350
<INT-BEARING-DEPOSITS>                             861
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     10,201
<INVESTMENTS-CARRYING>                          35,263
<INVESTMENTS-MARKET>                            35,529
<LOANS>                                        638,345
<ALLOWANCE>                                      3,531
<TOTAL-ASSETS>                                 719,713
<DEPOSITS>                                     542,372
<SHORT-TERM>                                     8,152
<LIABILITIES-OTHER>                              5,838
<LONG-TERM>                                     83,825
<PREFERRED-MANDATORY>                            9,135
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      66,598
<TOTAL-LIABILITIES-AND-EQUITY>                 719,713
<INTEREST-LOAN>                                 46,783
<INTEREST-INVEST>                                2,907
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                49,690
<INTEREST-DEPOSIT>                              23,270
<INTEREST-EXPENSE>                              29,003
<INTEREST-INCOME-NET>                           20,687
<LOAN-LOSSES>                                      420
<SECURITIES-GAINS>                                   9
<EXPENSE-OTHER>                                 14,071
<INCOME-PRETAX>                                 10,435
<INCOME-PRE-EXTRAORDINARY>                      10,435
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     6,829
<EPS-PRIMARY>                                     0.77
<EPS-DILUTED>                                     0.75
<YIELD-ACTUAL>                                    3.11
<LOANS-NON>                                        346
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,177
<CHARGE-OFFS>                                       99
<RECOVERIES>                                        33
<ALLOWANCE-CLOSE>                                3,531
<ALLOWANCE-DOMESTIC>                             3,531
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>