<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 
INVESTORSBANCORP, INC. FINANCIAL STATEMENTS AND IS QUALIFIED IN ITS 
ENTIRETY BY REFERENCE TO SUCH 
FORM 10Q.
</LEGEND>
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                       1,293,739
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             5,935,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  8,385,000
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     37,971,057
<ALLOWANCE>                                    307,763
<TOTAL-ASSETS>                              54,242,845
<DEPOSITS>                                  46,573,212
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            672,342
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     6,989,900
<OTHER-SE>                                       7,391
<TOTAL-LIABILITIES-AND-EQUITY>              54,242,845
<INTEREST-LOAN>                              1,623,587
<INTEREST-INVEST>                              478,431
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                             2,102,018
<INTEREST-DEPOSIT>                           1,132,314
<INTEREST-EXPENSE>                           1,132,314
<INTEREST-INCOME-NET>                          969,704
<LOAN-LOSSES>                                  211,703
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,571,434
<INCOME-PRETAX>                                109,875
<INCOME-PRE-EXTRAORDINARY>                     110,291
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   110,291
<EPS-PRIMARY>                                     0.11
<EPS-DILUTED>                                     0.11
<YIELD-ACTUAL>                                    3.29
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                96,060
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              307,763
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        307,763