ELMIRA SAVINGS BANK FSB &lt;ESBK.O> 3RD QTR NET
  Shr 55 cts vs 75 cts
      Net 218,000 vs 269,000
      Nine mths
      Shr 2.15 dlrs vs 3.45 dlrs
      Net 855,000 vs 920,000
      Assets 175.8 mln vs 166.9 mln
      Deposits 159.8 mln vs 154.3 mln
      Loans 155.7 mln vs 142.6 mln
     
      NOTE: 1987 nine mths includes gain 96,000 dlrs, or 24 cts
  per share, from utilization of operating loss carryforward.
      1986 qtr and nine mths includes gain 128,000 dlrs, or 36
  cts per share, and 445,000 dlrs, or 1.67 dlrs per share, from
  utilization of operation loss carryforward.
  

