<ARTICLE> 9
<LEGEND>
THIS LEGEND CONTAINS SUMMARY INFORMATION EXTRACTED FROM THE FORM 10-Q
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<CIK> 0000915393
<NAME> AMB FINANCIAL CORP.
<MULTIPLIER> 1
       
                                                      
<PERIOD-TYPE>                                                              9-MOS
<FISCAL-YEAR-END>                                                    DEC-31-1998
<PERIOD-END>                                                         SEP-30-1998
<CASH>                                                                 1,952,783
<INT-BEARING-DEPOSITS>                                                 6,021,924
<FED-FUNDS-SOLD>                                                         300,000
<TRADING-ASSETS>                                                       2,426,101
<INVESTMENTS-HELD-FOR-SALE>                                            9,530,948
<INVESTMENTS-CARRYING>                                                         0
<INVESTMENTS-MARKET>                                                           0
<LOANS>                                                               91,745,150
<ALLOWANCE>                                                              489,158
<TOTAL-ASSETS>                                                       118,667,931
<DEPOSITS>                                                            76,837,882
<SHORT-TERM>                                                           6,000,000
<LIABILITIES-OTHER>                                                    1,479,125
<LONG-TERM>                                                           21,074,454
<COMMON>                                                                  11,241
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<OTHER-SE>                                                            13,265,229
<TOTAL-LIABILITIES-AND-EQUITY>                                       118,667,931
<INTEREST-LOAN>                                                        5,195,554
<INTEREST-INVEST>                                                        682,959
<INTEREST-OTHER>                                                               0
<INTEREST-TOTAL>                                                       5,878,513
<INTEREST-DEPOSIT>                                                     2,586,047
<INTEREST-EXPENSE>                                                     3,330,513
<INTEREST-INCOME-NET>                                                  2,548,000
<LOAN-LOSSES>                                                             84,671
<SECURITIES-GAINS>                                                      (610,104)
<EXPENSE-OTHER>                                                        2,214,964
<INCOME-PRETAX>                                                          112,553
<INCOME-PRE-EXTRAORDINARY>                                               112,553
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                              64,607
<EPS-PRIMARY>                                                               0.08
<EPS-DILUTED>                                                               0.07
<YIELD-ACTUAL>                                                              3.35
<LOANS-NON>                                                              328,000
<LOANS-PAST>                                                                   0
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                                0
<ALLOWANCE-OPEN>                                                         410,383
<CHARGE-OFFS>                                                              5,896
<RECOVERIES>                                                                   0
<ALLOWANCE-CLOSE>                                                        489,158
<ALLOWANCE-DOMESTIC>                                                     489,158
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                        0