<ARTICLE> 9
<MULTIPLIER> 1
<CURRENCY> U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               SEP-30-1996
<EXCHANGE-RATE>                                      1
<CASH>                                         290,672
<INT-BEARING-DEPOSITS>                         282,104
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                       1,025,135
<INVESTMENTS-MARKET>                         1,035,950
<LOANS>                                     26,257,068
<ALLOWANCE>                                    121,063
<TOTAL-ASSETS>                              28,615,668
<DEPOSITS>                                  20,255,470
<SHORT-TERM>                                 3,100,000
<LIABILITIES-OTHER>                            184,526
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       345,000
<OTHER-SE>                                   4,616,489
<TOTAL-LIABILITIES-AND-EQUITY>              28,615,668
<INTEREST-LOAN>                              1,597,127
<INTEREST-INVEST>                               48,564
<INTEREST-OTHER>                                27,782
<INTEREST-TOTAL>                             1,673,473
<INTEREST-DEPOSIT>                             804,470
<INTEREST-EXPENSE>                             878,555
<INTEREST-INCOME-NET>                          794,918
<LOAN-LOSSES>                                   15,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                664,917
<INCOME-PRETAX>                                201,097
<INCOME-PRE-EXTRAORDINARY>                     131,876
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   131,876
<EPS-PRIMARY>                                      .42
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<YIELD-ACTUAL>                                       0
<LOANS-NON>                                    671,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               112,063
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              121,063
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        121,063