ELMIRA SAVINGS BANK FSB <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.