<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.
<MULTIPLIER>                                               1
<CURRENCY>                                         US DOLLAR
       
<S>                                           <C>
<PERIOD-TYPE>                                    3-MOS
<FISCAL-YEAR-END>                                DEC-31-1998
<PERIOD-START>                                   JUL-01-1998
<PERIOD-END>                                     SEP-30-1998
<EXCHANGE-RATE>                                       1.0000
<CASH>                                            $6,192,514
<INT-BEARING-DEPOSITS>                            28,898,480
<FED-FUNDS-SOLD>                                           0
<TRADING-ASSETS>                                           0
<INVESTMENTS-HELD-FOR-SALE>                                0
<INVESTMENTS-CARRYING>                                62,763
<INVESTMENTS-MARKET>                                  64,069
<LOANS>                                          341,505,479
<ALLOWANCE>                                        1,150,716
<TOTAL-ASSETS>                                   386,104,157
<DEPOSITS>                                       264,095,571
<SHORT-TERM>                                      25,000,000
<LIABILITIES-OTHER>                                3,698,935
<LONG-TERM>                                                0
<PREFERRED-MANDATORY>                                      0
<PREFERRED>                                                0
<COMMON>                                              70,093
<OTHER-SE>                                        93,239,558
<TOTAL-LIABILITIES-AND-EQUITY>                   386,104,157
<INTEREST-LOAN>                                   17,912,897
<INTEREST-INVEST>                                  1,762,948
<INTEREST-OTHER>                                           0
<INTEREST-TOTAL>                                  19,675,845
<INTEREST-DEPOSIT>                                 8,499,150
<INTEREST-EXPENSE>                                 8,638,061
<INTEREST-INCOME-NET>                             11,037,784
<LOAN-LOSSES>                                         90,000
<SECURITIES-GAINS>                                         0
<EXPENSE-OTHER>                                    8,572,787
<INCOME-PRETAX>                                    3,214,741
<INCOME-PRE-EXTRAORDINARY>                         1,967,794
<EXTRAORDINARY>                                            0
<CHANGES>                                                  0
<NET-INCOME>                                       1,967,794
<EPS-PRIMARY>                                           0.31
<EPS-DILUTED>                                           0.31
<YIELD-ACTUAL>                                          4.12
<LOANS-NON>                                          596,683
<LOANS-PAST>                                               0
<LOANS-TROUBLED>                                     285,209
<LOANS-PROBLEM>                                      466,917
<ALLOWANCE-OPEN>                                   1,064,041
<CHARGE-OFFS>                                          3,325
<RECOVERIES>                                               0
<ALLOWANCE-CLOSE>                                  1,150,716
<ALLOWANCE-DOMESTIC>                               1,150,716
<ALLOWANCE-FOREIGN>                                        0
<ALLOWANCE-UNALLOCATED>                                    0
        

</TABLE>