<TABLE> <S> <C>

<ARTICLE>     9
<LEGEND>
   THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION
   EXTRACTED FROM DEARBORN BANCORP, INC. AND SUBSIDIARY
   CONSOLIDATED BALANCE SHEETS AT DECEMBER 31, 1998 AND THE
   CONSOLIDATED STATEMENTS OF OPERATIONS FOR THE YEAR ENDED 
   DECEMBER 31, 1998 AND IS QUALIFIED IN ITS ENTIRETY BY
   REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                                             <C>
<MULTIPLIER>                                          1,000
<PERIOD-TYPE>                                        12-MOS
<PERIOD-START>                                  JAN-01-1998
<FISCAL-YEAR-END>                               DEC-31-1998
<PERIOD-END>                                    DEC-31-1998
<CASH>                                           $    2,259
<INT-BEARING-DEPOSITS>                                    0
<FED-FUNDS-SOLD>                                      3,995
<TRADING-ASSETS>                                          0
<INVESTMENTS-HELD-FOR-SALE>                          50,211
<INVESTMENTS-CARRYING>                                    0
<INVESTMENTS-MARKET>                                      0
<LOANS>                                              66,023
<ALLOWANCE>                                             627
<TOTAL-ASSETS>                                      126,755
<DEPOSITS>                                           97,610
<SHORT-TERM>                                              0
<LIABILITIES-OTHER>                                     559
<LONG-TERM>                                             517
<PREFERRED-MANDATORY>                                     0
<PREFERRED>                                               0
<COMMON>                                             29,015
<OTHER-SE>                                           (1,284)
<TOTAL-LIABILITIES-AND-EQUITY>                      126,755
<INTEREST-LOAN>                                       5,259
<INTEREST-INVEST>                                     2,504
<INTEREST-OTHER>                                        527
<INTEREST-TOTAL>                                      8,290
<INTEREST-DEPOSIT>                                    4,425
<INTEREST-EXPENSE>                                    4,466
<INTEREST-INCOME-NET>                                 3,824
<LOAN-LOSSES>                                           120
<SECURITIES-GAINS>                                       71
<EXPENSE-OTHER>                                       2,941
<INCOME-PRETAX>                                       1,296
<INCOME-PRE-EXTRAORDINARY>                            1,296
<EXTRAORDINARY>                                           0
<CHANGES>                                                 0
<NET-INCOME>                                            950
<EPS-PRIMARY>                                          0.45
<EPS-DILUTED>                                          0.45
<YIELD-ACTUAL>                                         3.41
<LOANS-NON>                                             410
<LOANS-PAST>                                              0
<LOANS-TROUBLED>                                          0
<LOANS-PROBLEM>                                           0
<ALLOWANCE-OPEN>                                        522
<CHARGE-OFFS>                                            15
<RECOVERIES>                                              0
<ALLOWANCE-CLOSE>                                       627
<ALLOWANCE-DOMESTIC>                                    627
<ALLOWANCE-FOREIGN>                                       0
<ALLOWANCE-UNALLOCATED>                                   0

</TABLE>