WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

  

<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   QTR-3
<FISCAL-YEAR-END>                          DEC-30-1995
<PERIOD-END>                               SEP-30-1995
<CASH>                                       3,987,534
<INT-BEARING-DEPOSITS>                      10,111,873
<FED-FUNDS-SOLD>                               650,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 28,171,193
<INVESTMENTS-CARRYING>                       1,632,347
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    593,271,388
<ALLOWANCE>                                 13,522,795
<TOTAL-ASSETS>                             668,673,033
<DEPOSITS>                                  69,513,760
<SHORT-TERM>                               110,448,810
<LIABILITIES-OTHER>                         20,649,086
<LONG-TERM>                                350,241,787
<COMMON>                                    94,520,735
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                     134,241
<TOTAL-LIABILITIES-AND-EQUITY>             668,673,033
<INTEREST-LOAN>                             34,873,510
<INTEREST-INVEST>                            2,648,564
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                            37,522,074
<INTEREST-DEPOSIT>                           2,521,462
<INTEREST-EXPENSE>                          21,817,123
<INTEREST-INCOME-NET>                       15,704,951
<LOAN-LOSSES>                                  909,200
<SECURITIES-GAINS>                              73,938
<EXPENSE-OTHER>                             14,735,411
<INCOME-PRETAX>                              6,600,075
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 6,036,137
<EPS-PRIMARY>                                     8.54
<EPS-DILUTED>                                     8.54
<YIELD-ACTUAL>                                    3.72
<LOANS-NON>                                    932,197
<LOANS-PAST>                                 1,382,249
<LOANS-TROUBLED>                             3,959,668
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                            13,031,499
<CHARGE-OFFS>                                  559,382
<RECOVERIES>                                   141,478
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