<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>
<MULTIPLIER>                                   1
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                              DEC-31-1996
<PERIOD-START>                                 JAN-01-1996
<PERIOD-END>                                   SEP-30-1996
<CASH>                                           4,159,159
<INT-BEARING-DEPOSITS>                          84,080,342
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                              0
<INVESTMENTS-CARRYING>                           6,121,068
<INVESTMENTS-MARKET>                             6,135,717
<LOANS>                                        266,566,100
<ALLOWANCE>                                        914,831
<TOTAL-ASSETS>                                 370,532,391
<DEPOSITS>                                     266,455,605
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                              5,116,630
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                            70,000
<OTHER-SE>                                      98,890,065
<TOTAL-LIABILITIES-AND-EQUITY>                 370,532,391
<INTEREST-LOAN>                                 15,802,201
<INTEREST-INVEST>                                1,060,411
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                16,862,612
<INTEREST-DEPOSIT>                               8,221,925
<INTEREST-EXPENSE>                               8,259,186
<INTEREST-INCOME-NET>                            8,603,426
<LOAN-LOSSES>                                       90,000
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                  9,586,212
<INCOME-PRETAX>                                   (140,979)
<INCOME-PRE-EXTRAORDINARY>                         (89,821)
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                       (89,821)
<EPS-PRIMARY>                                        (0.09)
<EPS-DILUTED>                                        (0.09)
<YIELD-ACTUAL>                                        3.96
<LOANS-NON>                                      1,499,722
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                    551,141
<ALLOWANCE-OPEN>                                   825,857
<CHARGE-OFFS>                                        1,026
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                  914,831
<ALLOWANCE-DOMESTIC>                               914,831
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
        


</TABLE>