<ARTICLE> 9 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> SEP-30-1995 <CASH> 7351300 <INT-BEARING-DEPOSITS> 388000 <FED-FUNDS-SOLD> 15500000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 10054900 <INVESTMENTS-MARKET> 0 <LOANS> 50928400 <ALLOWANCE> 659000 <TOTAL-ASSETS> 88797800 <DEPOSITS> 83701000 <SHORT-TERM> 0 <LIABILITIES-OTHER> 202300 <LONG-TERM> 0 <COMMON> 8080000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> (3185500) <TOTAL-LIABILITIES-AND-EQUITY> 4894500 <INTEREST-LOAN> 3690100 <INTEREST-INVEST> 692800 <INTEREST-OTHER> 266500 <INTEREST-TOTAL> 4649400 <INTEREST-DEPOSIT> 1010700 <INTEREST-EXPENSE> 9500 <INTEREST-INCOME-NET> 3629200 <LOAN-LOSSES> 441100 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3862400 <INCOME-PRETAX> (482700) <INCOME-PRE-EXTRAORDINARY> (482700) <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> (482700) <EPS-PRIMARY> (0.39) <EPS-DILUTED> (0.39) <YIELD-ACTUAL> 6.40 <LOANS-NON> 596000 <LOANS-PAST> 387000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 796500 <CHARGE-OFFS> 666000 <RECOVERIES> 87000 <ALLOWANCE-CLOSE> 659000 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0