<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>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<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>                         151,068
<INVESTMENTS-MARKET>                           151,437
<LOANS>                                    266,566,100
<ALLOWANCE>                                    914,831
<TOTAL-ASSETS>                             370,532,391
<DEPOSITS>                                 266,455,605
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                  0
<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>