<TABLE> <S> <C>

<ARTICLE>                                          9
<CIK>                                              0000768868
<NAME>                                             PEMI BANCORP, INC
<MULTIPLIER>                                       1
       
<S>                                                <C>
<PERIOD-TYPE>                                      3-MOS
<FISCAL-YEAR-END>                                  DEC-31-1997
<PERIOD-START>                                     JAN-01-1997
<PERIOD-END>                                       MAR-31-1997
<CASH>                                               4,474,000
<INT-BEARING-DEPOSITS>                              89,030,612
<FED-FUNDS-SOLD>                                             0
<TRADING-ASSETS>                                             0
<INVESTMENTS-HELD-FOR-SALE>                         17,389,409
<INVESTMENTS-CARRYING>                                       0
<INVESTMENTS-MARKET>                                11,603,547
<LOANS>                                             89,132,117
<ALLOWANCE>                                          1,283,392
<TOTAL-ASSETS>                                     128,062,077
<DEPOSITS>                                         103,601,594
<SHORT-TERM>                                         4,597,225
<LIABILITIES-OTHER>                                  2,168,105
<LONG-TERM>                                          5,294,300
<PREFERRED-MANDATORY>                                        0
<PREFERRED>                                                  0
<COMMON>                                               751,901
<OTHER-SE>                                          11,648,952
<TOTAL-LIABILITIES-AND-EQUITY>                     128,062,077
<INTEREST-LOAN>                                      1,993,014
<INTEREST-INVEST>                                      489,950
<INTEREST-OTHER>                                        12,758
<INTEREST-TOTAL>                                     2,495,527
<INTEREST-DEPOSIT>                                     885,569
<INTEREST-EXPENSE>                                   1,022,462
<INTEREST-INCOME-NET>                                1,473,065
<LOAN-LOSSES>                                           30,000
<SECURITIES-GAINS>                                           0
<EXPENSE-OTHER>                                      1,189,793
<INCOME-PRETAX>                                        416,423
<INCOME-PRE-EXTRAORDINARY>                                   0
<EXTRAORDINARY>                                              0
<CHANGES>                                                    0
<NET-INCOME>                                           278,623
<EPS-PRIMARY>                                             0.40
<EPS-DILUTED>                                                0
<YIELD-ACTUAL>                                               0
<LOANS-NON>                                            115,382
<LOANS-PAST>                                           311,499
<LOANS-TROUBLED>                                       310,222
<LOANS-PROBLEM>                                      3,895,222
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<CHARGE-OFFS>                                           88,776
<RECOVERIES>                                            35,863
<ALLOWANCE-CLOSE>                                    1,283,392
<ALLOWANCE-DOMESTIC>                                 1,283,392
<ALLOWANCE-FOREIGN>                                          0
<ALLOWANCE-UNALLOCATED>                                      0
        

</TABLE>