<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the Form
10-Q for the fiscal quarter and is qualified in its entirety by reference to
such financial statements.
</LEGEND>
<CIK> 0001021206
<NAME> DELPHOS CITIZENS BANCORP, INC.
<MULTIPLIER> 1
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          SEP-30-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                       1,770,694
<INT-BEARING-DEPOSITS>                       8,683,064
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    745,328
<INVESTMENTS-CARRYING>                      18,219,280
<INVESTMENTS-MARKET>                        18,426,407
<LOANS>                                     76,393,536
<ALLOWANCE>                                    100,360
<TOTAL-ASSETS>                             107,071,594
<DEPOSITS>                                  76,003,516
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            717,355
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        20,387
<OTHER-SE>                                  30,330,336
<TOTAL-LIABILITIES-AND-EQUITY>             107,071,594
<INTEREST-LOAN>                              2,844,507
<INTEREST-INVEST>                              590,821
<INTEREST-OTHER>                               251,808
<INTEREST-TOTAL>                             3,687,136
<INTEREST-DEPOSIT>                           1,887,663
<INTEREST-EXPENSE>                           1,887,663
<INTEREST-INCOME-NET>                        1,799,473
<LOAN-LOSSES>                                    6,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                925,852
<INCOME-PRETAX>                                966,820
<INCOME-PRE-EXTRAORDINARY>                     966,820
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   694,745
<EPS-PRIMARY>                                      .31
<EPS-DILUTED>                                      .31
<YIELD-ACTUAL>                                    3.67
<LOANS-NON>                                          0
<LOANS-PAST>                                   404,193
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<ALLOWANCE-CLOSE>                              100,360
<ALLOWANCE-DOMESTIC>                           100,360
<ALLOWANCE-FOREIGN>                                  0
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