<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
SAN FRANCISCO COMPANY'S CONSOLIDATED STATEMENTS OF CONDITION AND
OPERATIONS, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                              JAN-1-1996
<PERIOD-END>                               SEP-30-1996
<EXCHANGE-RATE>                                      1
<CASH>                                           2,674
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                14,300
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     29,404
<INVESTMENTS-CARRYING>                           7,142
<INVESTMENTS-MARKET>                             7,060
<LOANS>                                         38,154
<ALLOWANCE>                                      5,545
<TOTAL-ASSETS>                                 101,998
<DEPOSITS>                                      87,642
<SHORT-TERM>                                     2,000
<LIABILITIES-OTHER>                              1,424
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                      7,911
<COMMON>                                            58
<OTHER-SE>                                           0
<TOTAL-LIABILITIES-AND-EQUITY>                 101,998
<INTEREST-LOAN>                                  3,222
<INTEREST-INVEST>                                2,210
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 5,432
<INTEREST-DEPOSIT>                               2,393
<INTEREST-EXPENSE>                               2,395
<INTEREST-INCOME-NET>                            3,037
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,896
<INCOME-PRETAX>                                    345
<INCOME-PRE-EXTRAORDINARY>                         345
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       607
<EPS-PRIMARY>                                     0.10
<EPS-DILUTED>                                     0.10
<YIELD-ACTUAL>                                    4.30
<LOANS-NON>                                      2,557
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 4,004
<LOANS-PROBLEM>                                    957
<ALLOWANCE-OPEN>                                 5,912
<CHARGE-OFFS>                                      646
<RECOVERIES>                                       279
<ALLOWANCE-CLOSE>                                5,545
<ALLOWANCE-DOMESTIC>                             5,545
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>