<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH QUARTERLY REPORT ON FORM 10-Q.
</LEGEND>
<MULTIPLIER>  1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               SEP-30-1996
<CASH>                                          18,838
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     23,924
<INVESTMENTS-CARRYING>                          68,192
<INVESTMENTS-MARKET>                                 0<F1>
<LOANS>                                        712,460
<ALLOWANCE>                                     10,149
<TOTAL-ASSETS>                                 866,269
<DEPOSITS>                                     761,328
<SHORT-TERM>                                    10,000
<LIABILITIES-OTHER>                             20,655
<LONG-TERM>                                      4,418
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            74
<OTHER-SE>                                      69,794
<TOTAL-LIABILITIES-AND-EQUITY>                 866,269
<INTEREST-LOAN>                                 14,205
<INTEREST-INVEST>                                  994
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                15,199
<INTEREST-DEPOSIT>                               7,913
<INTEREST-EXPENSE>                               8,100
<INTEREST-INCOME-NET>                            7,099
<LOAN-LOSSES>                                      371
<SECURITIES-GAINS>                                   6
<EXPENSE-OTHER>                                 12,323
<INCOME-PRETAX>                                (4,210)
<INCOME-PRE-EXTRAORDINARY>                     (4,210)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   (4,210)
<EPS-PRIMARY>                                   (0.77)
<EPS-DILUTED>                                   (0.77)
<YIELD-ACTUAL>                                    7.52
<LOANS-NON>                                     12,802
<LOANS-PAST>                                         0<F1>
<LOANS-TROUBLED>                                10,359
<LOANS-PROBLEM>                                 19,102
<ALLOWANCE-OPEN>                                11,242
<CHARGE-OFFS>                                    1,511
<RECOVERIES>                                        47
<ALLOWANCE-CLOSE>                               10,149
<ALLOWANCE-DOMESTIC>                            10,149
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0<F1>
<FN>
<F1>THIS INFORMATION IS NOT DISCLOSED IN THE FORM 10-Q
</FN>