<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               SEP-30-1996
<CASH>                                      1,125,788
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<DEPOSITS>                                 25,610,993
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<INTEREST-EXPENSE>                          1,067,345
<INTEREST-INCOME-NET>                         637,097
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<INCOME-PRETAX>                               (86,846)
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