<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>                   9-MOS
<FISCAL-YEAR-END>                              DEC-31-1997
<PERIOD-START>                                 JAN-01-1997
<PERIOD-END>                                   SEP-30-1997
<CASH>                                           5,389,861
<INT-BEARING-DEPOSITS>                          33,622,245
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                              0
<INVESTMENTS-CARRYING>                             100,330
<INVESTMENTS-MARKET>                               103,150
<LOANS>                                        294,264,114
<ALLOWANCE>                                      1,034,932
<TOTAL-ASSETS>                                 342,517,670
<DEPOSITS>                                     245,016,921
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                              3,107,730
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                            70,093
<OTHER-SE>                                      94,322,926
<TOTAL-LIABILITIES-AND-EQUITY>                 342,517,670
<INTEREST-LOAN>                                 15,971,911
<INTEREST-INVEST>                                2,795,584
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                18,767,495
<INTEREST-DEPOSIT>                               7,788,659
<INTEREST-EXPENSE>                               7,910,553
<INTEREST-INCOME-NET>                           10,856,942
<LOAN-LOSSES>                                       90,000
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                  8,107,879
<INCOME-PRETAX>                                  3,644,220
<INCOME-PRE-EXTRAORDINARY>                       2,230,274
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                     2,230,274
<EPS-PRIMARY>                                         0.35
<EPS-DILUTED>                                         0.34
<YIELD-ACTUAL>                                        4.23
<LOANS-NON>                                        939,501
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                    580,925
<ALLOWANCE-OPEN>                                   944,799
<CHARGE-OFFS>                                          435
<RECOVERIES>                                           568
<ALLOWANCE-CLOSE>                                1,034,932
<ALLOWANCE-DOMESTIC>                             1,034,932
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
        

</TABLE>