<ARTICLE> 9 <CIK> 0000353650 <NAME> BWC FINANCIAL CORP <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> SEP-30-1996 <CASH> 7710000 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 1200000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 10835000 <INVESTMENTS-CARRYING> 9211000 <INVESTMENTS-MARKET> 9234000 <LOANS> 120199000 <ALLOWANCE> 2012000 <TOTAL-ASSETS> 151073000 <DEPOSITS> 133791000 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1422000 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 10222000 <OTHER-SE> 5638000 <TOTAL-LIABILITIES-AND-EQUITY> 151073000 <INTEREST-LOAN> 8262000 <INTEREST-INVEST> 1186000 <INTEREST-OTHER> 90000 <INTEREST-TOTAL> 9538000 <INTEREST-DEPOSIT> 2631000 <INTEREST-EXPENSE> 2647000 <INTEREST-INCOME-NET> 6891000 <LOAN-LOSSES> 500000 <SECURITIES-GAINS> 21000 <EXPENSE-OTHER> 5309000 <INCOME-PRETAX> 2086000 <INCOME-PRE-EXTRAORDINARY> 2086000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1428000 <EPS-PRIMARY> 1.41 <EPS-DILUTED> 1.26 <YIELD-ACTUAL> 6.90 <LOANS-NON> 89000 <LOANS-PAST> 1000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1178000 <ALLOWANCE-OPEN> 1529000 <CHARGE-OFFS> 45000 <RECOVERIES> 28000 <ALLOWANCE-CLOSE> 2012000 <ALLOWANCE-DOMESTIC> 1472000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 540000