<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                         445,195
<INT-BEARING-DEPOSITS>                             125
<FED-FUNDS-SOLD>                               250,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  8,215,044
<INVESTMENTS-CARRYING>                       1,694,937
<INVESTMENTS-MARKET>                         1,715,532
<LOANS>                                     31,082,006
<ALLOWANCE>                                    321,630
<TOTAL-ASSETS>                              43,548,593
<DEPOSITS>                                  28,852,700
<SHORT-TERM>                                 7,615,653
<LIABILITIES-OTHER>                          1,104,526
<LONG-TERM>                                  3,358,933
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                    165,000
<COMMON>                                       137,431
<OTHER-SE>                                   2,314,350
<TOTAL-LIABILITIES-AND-EQUITY>              43,548,593
<INTEREST-LOAN>                              1,873,747
<INTEREST-INVEST>                              543,117
<INTEREST-OTHER>                                36,324
<INTEREST-TOTAL>                             2,453,188
<INTEREST-DEPOSIT>                             886,293
<INTEREST-EXPENSE>                           1,389,378
<INTEREST-INCOME-NET>                        1,063,810
<LOAN-LOSSES>                                  123,071
<SECURITIES-GAINS>                             (7,819)
<EXPENSE-OTHER>                                956,574
<INCOME-PRETAX>                                181,090
<INCOME-PRE-EXTRAORDINARY>                     110,690
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   110,690
<EPS-PRIMARY>                                     0.68
<EPS-DILUTED>                                     0.68
<YIELD-ACTUAL>                                    3.21
<LOANS-NON>                                    526,177
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                93,161
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               362,849
<CHARGE-OFFS>                                  177,980
<RECOVERIES>                                    13,690
<ALLOWANCE-CLOSE>                              321,630
<ALLOWANCE-DOMESTIC>                           321,630
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0