<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
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<PERIOD-END>                               SEP-30-1996
<CASH>                                          26,601
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<INCOME-PRETAX>                                  8,285
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<LOANS-PAST>                                     1,159
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<ALLOWANCE-CLOSE>                                6,720
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