<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                        10340300
<INT-BEARING-DEPOSITS>                          994000
<FED-FUNDS-SOLD>                              15000000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    1040800
<INVESTMENTS-CARRYING>                         6138700
<INVESTMENTS-MARKET>                                 0
<LOANS>                                       49847000
<ALLOWANCE>                                   (461700)
<TOTAL-ASSETS>                                85841100
<DEPOSITS>                                    81656800
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                             208800
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       8080000
<OTHER-SE>                                   (4104500)
<TOTAL-LIABILITIES-AND-EQUITY>                85841100
<INTEREST-LOAN>                                3039400
<INTEREST-INVEST>                               367300
<INTEREST-OTHER>                                528800
<INTEREST-TOTAL>                               3935500
<INTEREST-DEPOSIT>                              893400
<INTEREST-EXPENSE>                                   0
<INTEREST-INCOME-NET>                          3042100
<LOAN-LOSSES>                                    25000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                3172000
<INCOME-PRETAX>                                   2700
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      2700
<EPS-PRIMARY>                                        0
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                     5.7
<LOANS-NON>                                    2290000
<LOANS-PAST>                                   1302000
<LOANS-TROUBLED>                               3282900
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                720000
<CHARGE-OFFS>                                   299000
<RECOVERIES>                                     16000
<ALLOWANCE-CLOSE>                               462000
<ALLOWANCE-DOMESTIC>                            462000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         462000