<TABLE> <S> <C>

<ARTICLE>                                            9
<CIK>                                       0000768868
<NAME>                                PEMI BANCORP INC
<MULTIPLIER>                                         1
       
<S>                                                                   <C>
<PERIOD-TYPE>                                                              9-MOS
<FISCAL-YEAR-END>                                                    DEC-31-1995
<PERIOD-START>                                                       JAN-01-1996
<PERIOD-END>                                                         SEP-30-1996
<CASH>                                                                 4,957,202
<INT-BEARING-DEPOSITS>                                                         0
<FED-FUNDS-SOLD>                                                               0
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                           18,643,768
<INVESTMENTS-CARRYING>                                                         0
<INVESTMENTS-MARKET>                                                  12,534,961
<LOANS>                                                               88,598,738
<ALLOWANCE>                                                            1,365,882
<TOTAL-ASSETS>                                                       130,079,811
<DEPOSITS>                                                           105,523,143
<SHORT-TERM>                                                           8,000,000
<LIABILITIES-OTHER>                                                    2,003,540
<LONG-TERM>                                                            2,491,525
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                 751,901
<OTHER-SE>                                                            11,309,702
<TOTAL-LIABILITIES-AND-EQUITY>                                       130,079,811
<INTEREST-LOAN>                                                        6,132,946
<INTEREST-INVEST>                                                      1,364,180
<INTEREST-OTHER>                                                          65,219
<INTEREST-TOTAL>                                                       7,562,345
<INTEREST-DEPOSIT>                                                     2,705,953
<INTEREST-EXPENSE>                                                     3,076,929
<INTEREST-INCOME-NET>                                                  4,485,416
<LOAN-LOSSES>                                                            116,000
<SECURITIES-GAINS>                                                             0
<EXPENSE-OTHER>                                                        3,441,774
<INCOME-PRETAX>                                                        1,430,703
<INCOME-PRE-EXTRAORDINARY>                                                     0
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                             967,253
<EPS-PRIMARY>                                                               1.40
<EPS-DILUTED>                                                                  0
<YIELD-ACTUAL>                                                                 0
<LOANS-NON>                                                              663,360
<LOANS-PAST>                                                                 416
<LOANS-TROUBLED>                                                         341,597
<LOANS-PROBLEM>                                                        3,613,397
<ALLOWANCE-OPEN>                                                       1,359,979
<CHARGE-OFFS>                                                            106,680
<RECOVERIES>                                                               3,417
<ALLOWANCE-CLOSE>                                                      1,365,882
<ALLOWANCE-DOMESTIC>                                                   1,365,882
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                        0
        




</TABLE>