<ARTICLE>                                            9
       
                             
<PERIOD-TYPE>                   9-Mos
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                           6,198
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<ALLOWANCE>                                        952
<TOTAL-ASSETS>                                 365,056
<DEPOSITS>                                     262,891
<SHORT-TERM>                                    62,400
<LIABILITIES-OTHER>                              3,696
<LONG-TERM>                                      1,457
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<OTHER-SE>                                      34,589
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<INTEREST-OTHER>                                   350
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<INTEREST-DEPOSIT>                               4,182
<INTEREST-EXPENSE>                               6,265
<INTEREST-INCOME-NET>                            5,155
<LOAN-LOSSES>                                       85
<SECURITIES-GAINS>                                  75
<EXPENSE-OTHER>                                  6,622
<INCOME-PRETAX>                                  (941)
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<RECOVERIES>                                         0
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<ALLOWANCE-FOREIGN>                                  0
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