<ARTICLE>                                            9
<LEGEND>
        THIS SCHEDULE CONTAINS SUMMARY FINANCIAL  INFORMATION EXTRACTED FROM THE
REGISTRANT'S  CONSOLIDATED  FINANCIAL  STATEMENTS  FOR THE TWELVE  MONTHS  ENDED
SEPTEMBER  30,  1997 AND IS  QUALIFIED  IN ITS  ENTIRETY  BY  REFERENCE  TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<CIK>                         0000876621
<NAME>                        Shelby County Bancorp
<MULTIPLIER>                                   1
<CURRENCY>                                     U.S. Dollars
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                              SEP-30-1997
<PERIOD-START>                                 OCT-1-1996
<PERIOD-END>                                   SEP-30-1997
<EXCHANGE-RATE>                                1.000
<CASH>                                         663,335
<INT-BEARING-DEPOSITS>                         1,772,848
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    7,886,663
<INVESTMENTS-CARRYING>                         808,817
<INVESTMENTS-MARKET>                           806,995
<LOANS>                                        76,524,167
<ALLOWANCE>                                    391,677
<TOTAL-ASSETS>                                 90,609,378
<DEPOSITS>                                     64,633,384
<SHORT-TERM>                                   0
<LIABILITIES-OTHER>                            747,043
<LONG-TERM>                                    18,057,629
<COMMON>                                       1,358,123
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<OTHER-SE>                                     5,813,199
<TOTAL-LIABILITIES-AND-EQUITY>                 90,609,378
<INTEREST-LOAN>                                6,065,982
<INTEREST-INVEST>                              582,978
<INTEREST-OTHER>                               59,049
<INTEREST-TOTAL>                               6,708,009
<INTEREST-DEPOSIT>                             2,996,545
<INTEREST-EXPENSE>                             3,892,389
<INTEREST-INCOME-NET>                          2,815,620
<LOAN-LOSSES>                                  104,000
<SECURITIES-GAINS>                             0
<EXPENSE-OTHER>                                2,252,854
<INCOME-PRETAX>                                808,100
<INCOME-PRE-EXTRAORDINARY>                     0
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   513,380
<EPS-PRIMARY>                                  2.92
<EPS-DILUTED>                                  2.92
<YIELD-ACTUAL>                                 8.43
<LOANS-NON>                                    416,000
<LOANS-PAST>                                   0
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                416,000
<ALLOWANCE-OPEN>                               325,900
<CHARGE-OFFS>                                  39,369
<RECOVERIES>                                   1,146
<ALLOWANCE-CLOSE>                              391,677
<ALLOWANCE-DOMESTIC>                           391,677
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        391,677