<ARTICLE> 9
<MULTIPLIER> 1
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                       1,588,003
<INT-BEARING-DEPOSITS>                         248,511
<FED-FUNDS-SOLD>                             5,592,238
<TRADING-ASSETS>                                     0
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<ALLOWANCE>                                  (281,722)
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<DEPOSITS>                                  45,583,590
<SHORT-TERM>                                 7,962,500
<LIABILITIES-OTHER>                            934,253
<LONG-TERM>                                          0
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<INTEREST-EXPENSE>                             461,531
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<LOAN-LOSSES>                                  128,000
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<EXPENSE-OTHER>                              3,534,284
<INCOME-PRETAX>                              (500,042)
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<RECOVERIES>                                     7,007
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<ALLOWANCE-FOREIGN>                                  0
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