<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
THIRD QUARTER 1995 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH 10-Q.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               SEP-30-1995
<CASH>                                          31,443
<INT-BEARING-DEPOSITS>                              83
<FED-FUNDS-SOLD>                                 9,700
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     67,883
<INVESTMENTS-CARRYING>                          10,050
<INVESTMENTS-MARKET>                            10,116
<LOANS>                                        459,510
<ALLOWANCE>                                   (16,210)
<TOTAL-ASSETS>                                 618,059
<DEPOSITS>                                     545,329
<SHORT-TERM>                                     3,969
<LIABILITIES-OTHER>                             11,770
<LONG-TERM>                                     17,826
<COMMON>                                            43
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      39,122
<TOTAL-LIABILITIES-AND-EQUITY>                 618,059
<INTEREST-LOAN>                                 33,116
<INTEREST-INVEST>                                3,516
<INTEREST-OTHER>                                   227
<INTEREST-TOTAL>                                36,859
<INTEREST-DEPOSIT>                              14,631
<INTEREST-EXPENSE>                              17,926
<INTEREST-INCOME-NET>                           18,933
<LOAN-LOSSES>                                   11,200
<SECURITIES-GAINS>                                 312
<EXPENSE-OTHER>                                 26,288
<INCOME-PRETAX>                                (8,711)
<INCOME-PRE-EXTRAORDINARY>                     (8,711)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   (4,734)
<EPS-PRIMARY>                                   (1.11)
<EPS-DILUTED>                                   (1.11)
<YIELD-ACTUAL>                                    4.83
<LOANS-NON>                                     25,812
<LOANS-PAST>                                       805
<LOANS-TROUBLED>                                 1,437
<LOANS-PROBLEM>                                 11,978
<ALLOWANCE-OPEN>                                19,929
<CHARGE-OFFS>                                 (17,251)
<RECOVERIES>                                     2,333
<ALLOWANCE-CLOSE>                               16,210
<ALLOWANCE-DOMESTIC>                            16,210
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,558