<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