<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> SEP-30-1995 <CASH> 10,323 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 6,300 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 50,798 <INVESTMENTS-MARKET> 50,097 <LOANS> 590,811 <ALLOWANCE> 18,472 <TOTAL-ASSETS> 720,230 <DEPOSITS> 684,489 <SHORT-TERM> 5,890 <LIABILITIES-OTHER> 5,144 <LONG-TERM> 0 <COMMON> 2,599 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 22,108 <TOTAL-LIABILITIES-AND-EQUITY> 720,230 <INTEREST-LOAN> 34,413 <INTEREST-INVEST> 4,377 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 38,790 <INTEREST-DEPOSIT> 24,560 <INTEREST-EXPENSE> 25,206 <INTEREST-INCOME-NET> 13,584 <LOAN-LOSSES> 14,445 <SECURITIES-GAINS> 3,049 <EXPENSE-OTHER> 14,415 <INCOME-PRETAX> (14,125) <INCOME-PRE-EXTRAORDINARY> (14,125) <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> (14,742) <EPS-PRIMARY> (5.67) <EPS-DILUTED> 0 <YIELD-ACTUAL> 2.36 <LOANS-NON> 17,846 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 53,160 <ALLOWANCE-OPEN> 21,461 <CHARGE-OFFS> 6,873 <RECOVERIES> 2 <ALLOWANCE-CLOSE> 18,472 <ALLOWANCE-DOMESTIC> 18,472 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0