<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