<ARTICLE> 9 <LEGEND> This Schedule contains summary information extracted from the Form S-1 and is qualified in its entirety by reference to such financial statements. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> SEP-30-1996 <CASH> 2,399 <INT-BEARING-DEPOSITS> 93 <FED-FUNDS-SOLD> 12,900 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 10 <INVESTMENTS-MARKET> 11 <LOANS> 63,384 <ALLOWANCE> 1,027 <TOTAL-ASSETS> 84,398 <DEPOSITS> 73,326 <SHORT-TERM> 0 <LIABILITIES-OTHER> 3,135 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 8,565 <OTHER-SE> (628) <TOTAL-LIABILITIES-AND-EQUITY> 84,398 <INTEREST-LOAN> 4,675 <INTEREST-INVEST> 184 <INTEREST-OTHER> 63 <INTEREST-TOTAL> 4,922 <INTEREST-DEPOSIT> 2,507 <INTEREST-EXPENSE> 2,699 <INTEREST-INCOME-NET> 2,223 <LOAN-LOSSES> 359 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 5,818 <INCOME-PRETAX> 310 <INCOME-PRE-EXTRAORDINARY> 310 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 168 <EPS-PRIMARY> 0.16 <EPS-DILUTED> 0.16 <YIELD-ACTUAL> 8.72 <LOANS-NON> 1,847 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 3,612 <ALLOWANCE-OPEN> 1,177 <CHARGE-OFFS> 632 <RECOVERIES> 124 <ALLOWANCE-CLOSE> 1,028 <ALLOWANCE-DOMESTIC> 1,028 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0