WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

  

<ARTICLE> 9
<MULTIPLIER> 1,000
       
                                                
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-1994
<PERIOD-END> SEP-30-1994
<CASH>                                           3,063
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<LOANS>                                         70,951
<ALLOWANCE>                                      3,572
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<SHORT-TERM>                                         0
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<COMMON>                                            20
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<INTEREST-INCOME-NET>                            3,144
<LOAN-LOSSES>                                    1,641
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