<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     This schedule contains summary financial information extracted from the
consolidated balance sheets and the statements of income of Home Bancorp of
Elgin, Inc. and Subsidiary and is qualified in its entirety by reference to
such financial statements.
</LEGEND>
<CIK>                         0001016325
<NAME>                        HOME BANCORP OF ELGIN, INC.
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                                DEC-31-1998
<PERIOD-START>                                   JAN-01-1998
<PERIOD-END>                                     MAR-31-1998
<CASH>                                             6,127,291
<INT-BEARING-DEPOSITS>                            48,968,965
<FED-FUNDS-SOLD>                                           0
<TRADING-ASSETS>                                           0
<INVESTMENTS-HELD-FOR-SALE>                                0
<INVESTMENTS-CARRYING>                                80,121
<INVESTMENTS-MARKET>                                  81,172
<LOANS>                                          304,804,326
<ALLOWANCE>                                        1,091,226
<TOTAL-ASSETS>                                   368,975,747
<DEPOSITS>                                       267,744,661
<SHORT-TERM>                                               0
<LIABILITIES-OTHER>                                5,562,349
<LONG-TERM>                                                0
<PREFERRED-MANDATORY>                                      0
<PREFERRED>                                                0
<COMMON>                                              70,093
<OTHER-SE>                                        95,598,645
<TOTAL-LIABILITIES-AND-EQUITY>                   368,975,747
<INTEREST-LOAN>                                    5,776,880
<INTEREST-INVEST>                                    654,457
<INTEREST-OTHER>                                           0
<INTEREST-TOTAL>                                   6,431,337
<INTEREST-DEPOSIT>                                 2,727,026
<INTEREST-EXPENSE>                                 2,743,360
<INTEREST-INCOME-NET>                              3,687,977
<LOAN-LOSSES>                                         30,000
<SECURITIES-GAINS>                                         0
<EXPENSE-OTHER>                                    3,063,865
<INCOME-PRETAX>                                      832,300
<INCOME-PRE-EXTRAORDINARY>                           509,740
<EXTRAORDINARY>                                            0
<CHANGES>                                                  0
<NET-INCOME>                                         509,740
<EPS-PRIMARY>                                           0.08
<EPS-DILUTED>                                           0.08
<YIELD-ACTUAL>                                          4.23
<LOANS-NON>                                          898,445
<LOANS-PAST>                                               0
<LOANS-TROUBLED>                                           0
<LOANS-PROBLEM>                                      190,509
<ALLOWANCE-OPEN>                                   1,064,041
<CHARGE-OFFS>                                          2,815
<RECOVERIES>                                               0
<ALLOWANCE-CLOSE>                                  1,091,226
<ALLOWANCE-DOMESTIC>                               1,091,226
<ALLOWANCE-FOREIGN>                                        0
<ALLOWANCE-UNALLOCATED>                                    0
        

</TABLE>