<ARTICLE>           9
<LEGEND>
At September 30, 1995, and for the nine month period ended September 30, 1995:
</LEGEND>
       
                             
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<FISCAL-YEAR-END>                          DEC-31-1994
<PERIOD-END>                               SEP-30-1995
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<DEPOSITS>                                      621120
<SHORT-TERM>                                      1893
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<LOANS-PAST>                                        50
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