<ARTICLE> 9
<LEGEND>
This schedule contains summary information extracted from the consolidated
balance sheets and consolidated statements of operations found on pages 2 and 3
of the Company's 10-QSB for June 30, 1996 and is qualified in its entirety by
reference to such financial statements.
</LEGEND>
<CIK> 0000357262
<NAME> NORTH COUNTY BANCORP
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               JUN-30-1996
<CASH>                                      22,825,000
<INT-BEARING-DEPOSITS>                     143,461,000
<FED-FUNDS-SOLD>                             7,500,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 16,976,000
<INVESTMENTS-CARRYING>                      11,151,000
<INVESTMENTS-MARKET>                        10,991,000
<LOANS>                                    172,019,000
<ALLOWANCE>                                  3,601,000
<TOTAL-ASSETS>                             244,689,000
<DEPOSITS>                                 216,983,000
<SHORT-TERM>                                 3,805,000
<LIABILITIES-OTHER>                          1,822,000
<LONG-TERM>                                  3,725,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     9,958,000
<OTHER-SE>                                   8,396,000
<TOTAL-LIABILITIES-AND-EQUITY>             244,689,000
<INTEREST-LOAN>                              8,645,000
<INTEREST-INVEST>                              745,000
<INTEREST-OTHER>                               155,000
<INTEREST-TOTAL>                             9,545,000
<INTEREST-DEPOSIT>                           2,263,000
<INTEREST-EXPENSE>                           2,458,000
<INTEREST-INCOME-NET>                        7,087,000
<LOAN-LOSSES>                                1,000,000
<SECURITIES-GAINS>                            (24,000)
<EXPENSE-OTHER>                              7,683,000
<INCOME-PRETAX>                              2,085,000
<INCOME-PRE-EXTRAORDINARY>                   2,085,000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,200,000
<EPS-PRIMARY>                                      .63
<EPS-DILUTED>                                      .59
<YIELD-ACTUAL>                                    9.54
<LOANS-NON>                                  4,340,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                             4,648,000
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             2,916,000
<CHARGE-OFFS>                                  543,000
<RECOVERIES>                                   228,000
<ALLOWANCE-CLOSE>                            3,601,000
<ALLOWANCE-DOMESTIC>                         3,601,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0