<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM PBOC
HOLDINGS INC. AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<CURRENCY> US$
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JUL-01-1998
<PERIOD-END>                               SEP-30-1998
<EXCHANGE-RATE>                                      1
<CASH>                                          16,947
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                30,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    946,346
<INVESTMENTS-CARRYING>                           6,930
<INVESTMENTS-MARKET>                             7,023
<LOANS>                                      2,043,442
<ALLOWANCE>                                     18,531
<TOTAL-ASSETS>                               3,210,974
<DEPOSITS>                                   1,477,095
<SHORT-TERM>                                   253,000
<LIABILITIES-OTHER>                             18,339
<LONG-TERM>                                  1,254,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           219
<OTHER-SE>                                     175,071
<TOTAL-LIABILITIES-AND-EQUITY>               3,210,974
<INTEREST-LOAN>                                 89,511
<INTEREST-INVEST>                               38,561
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                               128,072
<INTEREST-DEPOSIT>                              51,909
<INTEREST-EXPENSE>                             100,205
<INTEREST-INCOME-NET>                           27,867
<LOAN-LOSSES>                                    1,350
<SECURITIES-GAINS>                               1,260
<EXPENSE-OTHER>                                 37,969
<INCOME-PRETAX>                                (6,345)
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,045
<EPS-PRIMARY>                                   (0.14)
<EPS-DILUTED>                                   (0.14)
<YIELD-ACTUAL>                                    6.65
<LOANS-NON>                                     10,445
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 5,018
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                17,824
<CHARGE-OFFS>                                      728
<RECOVERIES>                                        85
<ALLOWANCE-CLOSE>                               18,531
<ALLOWANCE-DOMESTIC>                            18,531
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0