<ARTICLE> 9 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> SEP-30-1996 <CASH> 10,212 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 0 <ALLOWANCE> 0 <TOTAL-ASSETS> 0 <DEPOSITS> 0 <SHORT-TERM> 0 <LIABILITIES-OTHER> 305 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 5,750 <OTHER-SE> 4,598 <TOTAL-LIABILITIES-AND-EQUITY> 10,633 <INTEREST-LOAN> 0 <INTEREST-INVEST> 0 <INTEREST-OTHER> 6 <INTEREST-TOTAL> 6 <INTEREST-DEPOSIT> 0 <INTEREST-EXPENSE> 0 <INTEREST-INCOME-NET> 6 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 178 <INCOME-PRETAX> (172) <INCOME-PRE-EXTRAORDINARY> (172) <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> (172) <EPS-PRIMARY> (0.15) <EPS-DILUTED> (0.15) <YIELD-ACTUAL> 0 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 0 <CHARGE-OFFS> 0 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 0 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0