<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               SEP-30-1997
<CASH>                                       1,020,711
<INT-BEARING-DEPOSITS>                      19,638,920
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<TRADING-ASSETS>                                     0
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<SHORT-TERM>                               261,362,804
<LIABILITIES-OTHER>                         24,996,435
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<INTEREST-OTHER>                                     0
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<LOAN-LOSSES>                                2,004,000
<SECURITIES-GAINS>                                   0
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<EPS-PRIMARY>                                     9.23
<EPS-DILUTED>                                     9.23
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<LOANS-PROBLEM>                                      0
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