<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE CONSOLIDATED BALANCE SHEETS AND CONSOLIDATED STATEMENTS OF OPERATIONS FOUND ON PAGES 2 AND 3 OF THE COMPANY'S FORM 10-Q FOR SEPTEMBER 30, 1995, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <CIK> 0000357262 <NAME> NORTH COUNTY BANCORP <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-01-1995 <PERIOD-END> SEP-30-1995 <CASH> 21,070,000 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 8,000,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 14,839,000 <INVESTMENTS-CARRYING> 7,940,000 <INVESTMENTS-MARKET> 7,939,000 <LOANS> 164,856,000 <ALLOWANCE> 2,805,000 <TOTAL-ASSETS> 233,875,000 <DEPOSITS> 210,911,000 <SHORT-TERM> 1,047,000 <LIABILITIES-OTHER> 1,651,000 <LONG-TERM> 3,647,000 <COMMON> 9,156,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 7,463,000 <TOTAL-LIABILITIES-AND-EQUITY> 16,619,000 <INTEREST-LOAN> 13,332,000 <INTEREST-INVEST> 868,000 <INTEREST-OTHER> 241,000 <INTEREST-TOTAL> 14,441,000 <INTEREST-DEPOSIT> 3,523,000 <INTEREST-EXPENSE> 3,861,000 <INTEREST-INCOME-NET> 10,580,000 <LOAN-LOSSES> 2,661,000 <SECURITIES-GAINS> (11,000) <EXPENSE-OTHER> 11,817,000 <INCOME-PRETAX> 1,108,000 <INCOME-PRE-EXTRAORDINARY> 1,108,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 879,000 <EPS-PRIMARY> .56 <EPS-DILUTED> .53 <YIELD-ACTUAL> 10.05 <LOANS-NON> 4,666,000 <LOANS-PAST> 0 <LOANS-TROUBLED> 4,753,000 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,739,000 <CHARGE-OFFS> 2,695,000 <RECOVERIES> 100,000 <ALLOWANCE-CLOSE> 2,805,000 <ALLOWANCE-DOMESTIC> 2,805,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0