WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE. <ARTICLE> 9 <CIK> 0000701255 <NAME> <MULTIPLIER> 1000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-01-1995 <PERIOD-END> SEP-30-1995 <CASH> 3606 <INT-BEARING-DEPOSITS> 493 <FED-FUNDS-SOLD> 6000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 4425 <INVESTMENTS-MARKET> 4453 <LOANS> 40200 <ALLOWANCE> 852 <TOTAL-ASSETS> 57800 <DEPOSITS> 53025 <SHORT-TERM> 0 <LIABILITIES-OTHER> 744 <LONG-TERM> 537 <COMMON> 7616 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> (4122) <TOTAL-LIABILITIES-AND-EQUITY> 57800 <INTEREST-LOAN> 3119 <INTEREST-INVEST> 209 <INTEREST-OTHER> 117 <INTEREST-TOTAL> 3445 <INTEREST-DEPOSIT> 1227 <INTEREST-EXPENSE> 1392 <INTEREST-INCOME-NET> 2053 <LOAN-LOSSES> 245 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3361 <INCOME-PRETAX> (67) <INCOME-PRE-EXTRAORDINARY> (1135) <EXTRAORDINARY> 1068 <CHANGES> 0 <NET-INCOME> (67) <EPS-PRIMARY> (1.18) <EPS-DILUTED> 0 <YIELD-ACTUAL> 5.4 <LOANS-NON> 1513 <LOANS-PAST> 136 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 821 <CHARGE-OFFS> 271 <RECOVERIES> 57 <ALLOWANCE-CLOSE> 852 <ALLOWANCE-DOMESTIC> 807 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 45