WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

<TABLE> <S> <C>


<ARTICLE>                                            9
<CIK>                                      0000768868 
<NAME>                                    PEMI BANCORP, INC
<MULTIPLIER>                                        1
<CURRENCY>                                         US
       
<S>                                               <C>
<PERIOD-TYPE>                                   6-MOS
<FISCAL-YEAR-END>                         DEC-31-1997
<PERIOD-START>                            JAN-01-1997
<PERIOD-END>                              JUN-30-1997
<EXCHANGE-RATE>                                     0
<CASH>                                      5,308,328
<INT-BEARING-DEPOSITS>                     88,002,311
<FED-FUNDS-SOLD>                                    0
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                20,440,161
<INVESTMENTS-CARRYING>                              0
<INVESTMENTS-MARKET>                       10,746,926
<LOANS>                                    92,826,538
<ALLOWANCE>                                 1,256,097
<TOTAL-ASSETS>                            135,132,710
<DEPOSITS>                                104,021,765
<SHORT-TERM>                               12,492,025
<LIABILITIES-OTHER>                         2,257,971
<LONG-TERM>                                 3,227,500
<PREFERRED-MANDATORY>                               0
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<TOTAL-LIABILITIES-AND-EQUITY>            135,132,710
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<INTEREST-INVEST>                           1,004,896
<INTEREST-OTHER>                               12,789
<INTEREST-TOTAL>                            5,146,792
<INTEREST-DEPOSIT>                          1,765,160
<INTEREST-EXPENSE>                          2,134,824
<INTEREST-INCOME-NET>                       3,011,968
<LOAN-LOSSES>                                  75,000
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                               363,499
<INCOME-PRETAX>                               785,639
<INCOME-PRE-EXTRAORDINARY>                          0
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                  506,389
<EPS-PRIMARY>                                    0.73
<EPS-DILUTED>                                       0
<YIELD-ACTUAL>                                      0
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<LOANS-TROUBLED>                                   50
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<CHARGE-OFFS>                                 163,629
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<ALLOWANCE-DOMESTIC>                        1,256,097
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0
        


</TABLE>