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

  
 <ARTICLE> 9
<MULTIPLIER> 1,000
       
  
<PERIOD-TYPE> THREE MONTHS
<PERIOD-END> SEPTEMBER 30, 1996
<CASH>    2,205
<INT-BEARING DEPOSITS> <FED-FUNDS-
SOLD>          5,677
<TRADING-ASSETS> <INVESTMENTS-HELD-FOR
SALE>   7,035 <INVESTMENTS-CARRYING>
<INVESTMENTS-MARKET>
<LOANS>   57,187
<ALLOWANCE>    2,298
<TOTAL-ASSETS> 82,123
<DEPOSITS>     76,461
<SHORT-TERM>   548
<LIABILITIES-OTHER> 1,311
<LONG-TERM>    1,310
<COMMON>  19
<PREFERRED-MANDATORY>
<PREFERRED>    15,240
<OTHER-SE>     (12,766)
<TOTAL-LIABILITIES-AND-EQUITY>
82,123 <INTEREST-LOAN>   3,755
<INTEREST-INVEST>   263
<INTEREST-OTHER>    260
<INTEREST-TOTAL>    4,278
<INTEREST-DEPOSIT>  2,350 <INTEREST
EXPENSE>  2,546 <INTEREST-INCOME-NET>
1,732 <LOAN-LOSSES>  240 <SECURITIES-
GAINS>  10
<EXPENSE-OTHER>     3,199
<INCOME-PRETAX>     (470)
<INCOME-PRE-EXTRAORDINARY>
<EXTRAORDINARY>
<CHANGES>
<NET-INCOME>   (470)
<EPS-PRIMARY>  (.80)
<EPS-DILUTED>
<YIELD-ACTUAL> 3.43%
<LOANS-NON>    4,448
<LOANS-PAST>   4,981
<LOANS-TROUBLED>
<LOANS-PROBLEM>
<ALLOWANCE-OPEN>    2,070
<CHARGE-OFFS>  464
<RECOVERIES>   452
<ALLOWANCE-CLOSE>   2,298
<ALLOWANCE-DOMESTIC>    2,298
<ALLOWANCE-FOREIGN> <ALLOWANCE-
UNALLOCATED>