<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               DEC-31-1996
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<SHORT-TERM>                                     1,000
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<OTHER-SE>                                   2,984,000
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<LOAN-LOSSES>                                        0
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