<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     This schedule contains summary financial information extracted from the
consolidated balance sheets and the statements of income of Home Bancorp of
Elgin, Inc. and Subsidiary and is qualified in its entirety by reference to such
financial statements.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                            DEC-31-1996
<PERIOD-END>                                 DEC-31-1996
<CASH>                                         5,661,507
<INT-BEARING-DEPOSITS>                        22,341,178
<FED-FUNDS-SOLD>                                       0
<TRADING-ASSETS>                                       0
<INVESTMENTS-HELD-FOR-SALE>                            0
<INVESTMENTS-CARRYING>                        53,927,534
<INVESTMENTS-MARKET>                          53,939,592
<LOANS>                                      264,638,951
<ALLOWANCE>                                      944,799
<TOTAL-ASSETS>                               356,334,988
<DEPOSITS>                                   251,794,846
<SHORT-TERM>                                           0
<LIABILITIES-OTHER>                            4,659,293
<LONG-TERM>                                            0
<PREFERRED-MANDATORY>                                  0
<PREFERRED>                                            0
<COMMON>                                          70,093
<OTHER-SE>                                    99,810,756
<TOTAL-LIABILITIES-AND-EQUITY>               356,334,988
<INTEREST-LOAN>                               20,991,844
<INTEREST-INVEST>                              2,067,614
<INTEREST-OTHER>                                       0
<INTEREST-TOTAL>                              23,059,458
<INTEREST-DEPOSIT>                            10,843,847
<INTEREST-EXPENSE>                            10,881,108
<INTEREST-INCOME-NET>                         12,178,350
<LOAN-LOSSES>                                    120,000
<SECURITIES-GAINS>                                     0
<EXPENSE-OTHER>                               12,220,676
<INCOME-PRETAX>                                1,058,786
<INCOME-PRE-EXTRAORDINARY>                       641,620
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                     641,620
<EPS-PRIMARY>                                        .10
<EPS-DILUTED>                                        .10
<YIELD-ACTUAL>                                      4.02
<LOANS-NON>                                      936,842
<LOANS-PAST>                                           0
<LOANS-TROUBLED>                                       0
<LOANS-PROBLEM>                                  433,847
<ALLOWANCE-OPEN>                                 825,711
<CHARGE-OFFS>                                        912
<RECOVERIES>                                           0
<ALLOWANCE-CLOSE>                                944,799
<ALLOWANCE-DOMESTIC>                             944,799
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                                0
        


</TABLE>