<TABLE> <S> <C>
                                              
<ARTICLE>                                          9
<LEGEND>                                                           
 (Replace this text with the legend, if applicable)                
</LEGEND>                                                          
<CIK>                                              0000768868
<NAME>                                             PEMI BANCORP
<MULTIPLIER>                                       1
<CURRENCY>                                         US
                                                    
<S>                                                <C>
<PERIOD-TYPE>                                         12-mos
<FISCAL-YEAR-END>                                Dec-31-1996
<PERIOD-START>                                   Jan-01-1996
<PERIOD-END>                                     Dec-31-1996  
<EXCHANGE-RATE>                                            1
<CASH>                                             4,979,633
<INT-BEARING-DEPOSITS>                            89,568,915
<FED-FUNDS-SOLD>                                           0                   
<TRADING-ASSETS>                                           0
<INVESTMENTS-HELD-FOR-SALE>                       18,456,658                                                              
<INVESTMENTS-CARRYING>                                     0
<INVESTMENTS-MARKET>                              11,975,136          
<LOANS>                                           88,515,677
<ALLOWANCE>                                        1,306,304
<TOTAL-ASSETS>                                   128,979,132
<DEPOSITS>                                       105,685,368       
<SHORT-TERM>                                       4,908,225
<LIABILITIES-OTHER>                                2,377,330   
<LONG-TERM>                                        3,794,300                                 
<PREFERRED-MANDATORY>                                      0                               
<PREFERRED>                                                0
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<OTHER-SE>                                        11,462,008   
<TOTAL-LIABILITIES-AND-EQUITY>                   128,979,132
<INTEREST-LOAN>                                    8,257,107
<INTEREST-INVEST>                                  1,866,047   
<INTEREST-OTHER>                                      76,596 
<INTEREST-TOTAL>                                  10,199,750                                
<INTEREST-DEPOSIT>                                 3,632,440 
<INTEREST-EXPENSE>                                 4,153,686                        
<INTEREST-INCOME-NET>                              5,894,064                      
<LOAN-LOSSES>                                        152,000                                   
<SECURITIES-GAINS>                                         0           
<EXPENSE-OTHER>                                    4,662,318                      
<INCOME-PRETAX>                                    1,905,271
<INCOME-PRE-EXTRAORDINARY>                                 0          
<EXTRAORDINARY>                                            0          
<CHANGES>                                                  0
<NET-INCOME>                                       1,277,251        
<EPS-PRIMARY>                                           1.85
<EPS-DILUTED>                                              0
<YIELD-ACTUAL>                                          5.39                                               
<LOANS-NON>                                          530,784    
<LOANS-PAST>                                          87,141                                      
<LOANS-TROUBLED>                                     210,955                                                 
<LOANS-PROBLEM>                                    3,540,938                              
<ALLOWANCE-OPEN>                                   1,359,979           
<CHARGE-OFFS>                                        240,701
<RECOVERIES>                                          35,026                            
<ALLOWANCE-CLOSE>                                  1,306,304            
<ALLOWANCE-DOMESTIC>                               1,306,304      
<ALLOWANCE-FOREIGN>                                        0
<ALLOWANCE-UNALLOCATED>                                    0      
                                                           

</TABLE>