<ARTICLE> 9
<CIK> 0001018380
<NAME> EMERALD ISLE BANCORP, INC.
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             SEP-30-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                       4,185,457
<INT-BEARING-DEPOSITS>                       3,640,000
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 34,042,272
<INVESTMENTS-CARRYING>                      88,265,470
<INVESTMENTS-MARKET>                        84,939,416
<LOANS>                                    250,454,906
<ALLOWANCE>                                  2,598,913
<TOTAL-ASSETS>                             392,382,340
<DEPOSITS>                                 321,862,390
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                          2,052,370
<LONG-TERM>                                 41,668,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     1,765,568
<OTHER-SE>                                  25,034,012
<TOTAL-LIABILITIES-AND-EQUITY>             392,382,340
<INTEREST-LOAN>                             15,104,965
<INTEREST-INVEST>                            6,018,197
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                            21,123,162
<INTEREST-DEPOSIT>                          10,441,825
<INTEREST-EXPENSE>                          12,326,322
<INTEREST-INCOME-NET>                        6,796,840
<LOAN-LOSSES>                                1,136,333
<SECURITIES-GAINS>                              33,124
<EXPENSE-OTHER>                              5,649,523
<INCOME-PRETAX>                              2,523,389
<INCOME-PRE-EXTRAORDINARY>                   1,549,267
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,549,267
<EPS-PRIMARY>                                      .95
<EPS-DILUTED>                                      .95
<YIELD-ACTUAL>                                    7.96
<LOANS-NON>                                    842,898
<LOANS-PAST>                                 1,513,015
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             2,541,997
<CHARGE-OFFS>                                1,646,710
<RECOVERIES>                                   567,294
<ALLOWANCE-CLOSE>                            2,598,913
<ALLOWANCE-DOMESTIC>                         2,598,913
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0