<ARTICLE> 9
<MULTIPLIER>  1
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               SEP-30-1997
<CASH>                                           6,099
<INT-BEARING-DEPOSITS>                         372,669
<FED-FUNDS-SOLD>                                 3,611
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<ALLOWANCE>                                      3,909
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<DEPOSITS>                                     413,309
<SHORT-TERM>                                         0
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<LONG-TERM>                                     52,047
<COMMON>                                             0
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<OTHER-SE>                                       1,919
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<INTEREST-INCOME-NET>                           13,091
<LOAN-LOSSES>                                      422
<SECURITIES-GAINS>                                   0
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<INCOME-PRETAX>                                  5,526
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