<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, 1996 AND THE
   CONSOLIDATED STATEMENTS OF OPERATIONS FOR THE TWELVE MONTHS
   ENDED DECEMBER 31, 1996, 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-01-1996
<FISCAL-YEAR-END>                               DEC-31-1996
<PERIOD-END>                                    DEC-31-1996
<CASH>                                           $    2,126
<INT-BEARING-DEPOSITS>                                    0
<FED-FUNDS-SOLD>                                      5,300
<TRADING-ASSETS>                                          0
<INVESTMENTS-HELD-FOR-SALE>                          10,493
<INVESTMENTS-CARRYING>                                    0
<INVESTMENTS-MARKET>                                      0
<LOANS>                                              36,263
<ALLOWANCE>                                             366
<TOTAL-ASSETS>                                       56,599
<DEPOSITS>                                           47,463
<SHORT-TERM>                                              0
<LIABILITIES-OTHER>                                     392
<LONG-TERM>                                             554
<PREFERRED-MANDATORY>                                     0
<PREFERRED>                                               0
<COMMON>                                              9,273
<OTHER-SE>                                           (1,083)
<TOTAL-LIABILITIES-AND-EQUITY>                       56,599
<INTEREST-LOAN>                                       2,466
<INTEREST-INVEST>                                       733
<INTEREST-OTHER>                                        115
<INTEREST-TOTAL>                                      3,314
<INTEREST-DEPOSIT>                                    1,662
<INTEREST-EXPENSE>                                    1,706
<INTEREST-INCOME-NET>                                 1,608
<LOAN-LOSSES>                                           164
<SECURITIES-GAINS>                                       37
<EXPENSE-OTHER>                                       1,701
<INCOME-PRETAX>                                          27
<INCOME-PRE-EXTRAORDINARY>                               27
<EXTRAORDINARY>                                           0
<CHANGES>                                                 0
<NET-INCOME>                                             27
<EPS-PRIMARY>                                          0.04
<EPS-DILUTED>                                          0.04
<YIELD-ACTUAL>                                         3.98
<LOANS-NON>                                               8
<LOANS-PAST>                                              0
<LOANS-TROUBLED>                                          0
<LOANS-PROBLEM>                                           0
<ALLOWANCE-OPEN>                                        204
<CHARGE-OFFS>                                             4
<RECOVERIES>                                              2
<ALLOWANCE-CLOSE>                                       366
<ALLOWANCE-DOMESTIC>                                    366
<ALLOWANCE-FOREIGN>                                       0
<ALLOWANCE-UNALLOCATED>                                   0

</TABLE>