<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
SEPTMEBER 30, 1996 CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT
OF INCOME FOR THE NINE MONTHS ENDED SEPTEMBER 30, 1996 AND IS QUALIFIED IN 
ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                         280,922
<INT-BEARING-DEPOSITS>                       2,698,929
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  2,629,357
<INVESTMENTS-CARRYING>                      13,938,346
<INVESTMENTS-MARKET>                        13,926,694
<LOANS>                                     11,297,337
<ALLOWANCE>                                    327,259
<TOTAL-ASSETS>                              31,345,320
<DEPOSITS>                                  26,629,524
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            402,677
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,645
<OTHER-SE>                                   (223,252)
<TOTAL-LIABILITIES-AND-EQUITY>              31,345,320
<INTEREST-LOAN>                                775,593
<INTEREST-INVEST>                              721,846
<INTEREST-OTHER>                                78,066
<INTEREST-TOTAL>                             1,575,505
<INTEREST-DEPOSIT>                             866,547
<INTEREST-EXPENSE>                             868,087
<INTEREST-INCOME-NET>                          707,418
<LOAN-LOSSES>                                 (11,183)
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                761,485
<INCOME-PRETAX>                                152,076
<INCOME-PRE-EXTRAORDINARY>                     152,076
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   100,076
<EPS-PRIMARY>                                      .42
<EPS-DILUTED>                                      .42
<YIELD-ACTUAL>                                    7.24
<LOANS-NON>                                     70,960
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                61,002
<LOANS-PROBLEM>                                226,557
<ALLOWANCE-OPEN>                               340,656
<CHARGE-OFFS>                                   18,397
<RECOVERIES>                                     5,000
<ALLOWANCE-CLOSE>                              327,259
<ALLOWANCE-DOMESTIC>                            45,460
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        281,799