<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               SEP-30-1996
<CASH>                                          10,332
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<LONG-TERM>                                          0
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<COMMON>                                            50
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<INTEREST-LOAN>                                 28,024
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<LOAN-LOSSES>                                      150
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<INCOME-PRETAX>                                  (290)
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