<TABLE> <S> <C>


<ARTICLE>                    9     
<LEGEND>

     THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM
THE CONSOLIDATED CONDENSED BALANCE SHEET AT DECEMBER 31, 1996 (AUDITED),
CONSOLIDATED CONDENSED STATEMENT OF INCOME FOR THE TWELVE MONTHS
ENDED DECEMBER 31, 1996 (AUDITED) AND THE NOTES TO THE CONSOLIDATED
CONDENSED FINANCIAL STATEMENTS AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<CIK>     0000915277
<NAME>    CARNEGIE-BANCORP
       
<S>                            <C> 
<PERIOD-TYPE>                  YEAR            
<FISCAL-YEAR-END>                              DEC-31-1996
<PERIOD-END>                                   DEC-31-1996 
<CASH>                                         16,745,000
<INT-BEARING-DEPOSITS>                         0
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    30,110,000
<INVESTMENTS-CARRYING>                         23,264,000
<INVESTMENTS-MARKET>                           23,258,000
<LOANS>                                        266,462,000
<ALLOWANCE>                                    2,665,000
<TOTAL-ASSETS>                                 343,357,000
<DEPOSITS>                                     302,562,000
<SHORT-TERM>                                   1,000,000
<LIABILITIES-OTHER>                            1,628,000
<LONG-TERM>                                    14,425,000
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       9,705,000
<OTHER-SE>                                     14,037,000
<TOTAL-LIABILITIES-AND-EQUITY>                343,350,007
<INTEREST-LOAN>                                20,225,000
<INTEREST-INVEST>                              4,133,000
<INTEREST-OTHER>                               106,000
<INTEREST-TOTAL>                               24,464,000
<INTEREST-DEPOSIT>                             9,095,000
<INTEREST-EXPENSE>                             10,884,000
<INTEREST-INCOME-NET>                          13,580,000
<LOAN-LOSSES>                                  1,609,000
<SECURITIES-GAINS>                             305,000
<EXPENSE-OTHER>                                10,054,000
<INCOME-PRETAX>                                3,277,000
<INCOME-PRE-EXTRAORDINARY>                     2,144,000
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   2,144,000
<EPS-PRIMARY>                                  1.01
<EPS-DILUTED>                                  1.00
<YIELD-ACTUAL>                                 0.09
<LOANS-NON>                                    3,342,000
<LOANS-PAST>                                   839,000
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               1,754,000
<CHARGE-OFFS>                                  708,000
<RECOVERIES>                                   10,000
<ALLOWANCE-CLOSE>                              2,665,000
<ALLOWANCE-DOMESTIC>                           2,506,000
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        159,000
        


</TABLE>