<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM
INVESTORSBANCORP, INC. AUDITED DECEMBER 31, 1998 FINANCIAL STATEMENTS INCLUDED
IN ITS FORM 10-KSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
INVESTORSBANCORP,INC. FORM 10-KSB DATED MARCH 26, 1999.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                       1,049,145
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                               540,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 14,980,000
<INVESTMENTS-CARRYING>                       3,980,493
<INVESTMENTS-MARKET>                         3,980,493
<LOANS>                                     39,580,516
<ALLOWANCE>                                  (395,804)
<TOTAL-ASSETS>                              63,101,382
<DEPOSITS>                                  55,004,590
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            912,551
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     6,989,900
<OTHER-SE>                                     194,341
<TOTAL-LIABILITIES-AND-EQUITY>               7,184,241
<INTEREST-LOAN>                              2,589,509
<INTEREST-INVEST>                              671,083
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                             3,260,592
<INTEREST-DEPOSIT>                           1,765,668
<INTEREST-EXPENSE>                           1,765,668
<INTEREST-INCOME-NET>                        1,494,924
<LOAN-LOSSES>                                  299,744
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              2,202,479
<INCOME-PRETAX>                                379,189
<INCOME-PRE-EXTRAORDINARY>                     297,241
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   297,241
<EPS-PRIMARY>                                     0.30
<EPS-DILUTED>                                     0.29
<YIELD-ACTUAL>                                    3.68
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                96,060
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              395,804
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        395,804
        

</TABLE>