<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
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<PERIOD-START>                           JUL-01-1996
<PERIOD-END>                             SEP-30-1996
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<LIABILITIES-OTHER>                          539,398  
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<COMMON>                                         112  
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<INTEREST-INVEST>                              9,555
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<INTEREST-DEPOSIT>                            23,915
<INTEREST-EXPENSE>                            33,503
<INTEREST-INCOME-NET>                         22,089
<LOAN-LOSSES>                                    350
<SECURITIES-GAINS>                               100
<EXPENSE-OTHER>                               27,781
<INCOME-PRETAX>                                (535)
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<EPS-PRIMARY>                                  (.03)
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<CHARGE-OFFS>                                     17
<RECOVERIES>                                       2
<ALLOWANCE-CLOSE>                             17,589
<ALLOWANCE-DOMESTIC>                               0
<ALLOWANCE-FOREIGN>                                0
<ALLOWANCE-UNALLOCATED>                       17,589