<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