<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1,000
       
<S>                      <C>
<PERIOD-TYPE>                 3-MOS
<FISCAL-YEAR-END>                                     DEC-31-1995
<PERIOD-START>                                        JAN-01-1996
<PERIOD-END>                                          SEP-30-1996
<CASH>                                                        275
<INT-BEARING-DEPOSITS>                                        802
<FED-FUNDS-SOLD>                                                0
<TRADING-ASSETS>                                                0
<INVESTMENTS-HELD-FOR-SALE>                                69,920
<INVESTMENTS-CARRYING>                                          0
<INVESTMENTS-MARKET>                                            0
<LOANS>                                                   171,819
<ALLOWANCE>                                               (1,087)
<TOTAL-ASSETS>                                            250,465
<DEPOSITS>                                                161,802
<SHORT-TERM>                                               43,860
<LIABILITIES-OTHER>                                         6,907
<LONG-TERM>                                                 6,850
<PREFERRED-MANDATORY>                                           0
<PREFERRED>                                                     0
<COMMON>                                                       15
<OTHER-SE>                                                 31,031
<TOTAL-LIABILITIES-AND-EQUITY>                            250,465
<INTEREST-LOAN>                                             3,276
<INTEREST-INVEST>                                           1,325
<INTEREST-OTHER>                                                0
<INTEREST-TOTAL>                                            4,601
<INTEREST-DEPOSIT>                                          1,986
<INTEREST-EXPENSE>                                          2,714
<INTEREST-INCOME-NET>                                       1,887
<LOAN-LOSSES>                                                 100
<SECURITIES-GAINS>                                              0
<EXPENSE-OTHER>                                             2,345
<INCOME-PRETAX>                                             (264)
<INCOME-PRE-EXTRAORDINARY>                                  (264)
<EXTRAORDINARY>                                                 0
<CHANGES>                                                       0
<NET-INCOME>                                                (151)
<EPS-PRIMARY>                                              (0.13)
<EPS-DILUTED>                                              (0.13)
<YIELD-ACTUAL>                                               7.48
<LOANS-NON>                                                   583
<LOANS-PAST>                                                    0
<LOANS-TROUBLED>                                                0
<LOANS-PROBLEM>                                                 0
<ALLOWANCE-OPEN>                                            1,012
<CHARGE-OFFS>                                                 100
<RECOVERIES>                                                   25
<ALLOWANCE-CLOSE>                                           1,087
<ALLOWANCE-DOMESTIC>                                        1,087
<ALLOWANCE-FOREIGN>                                             0
<ALLOWANCE-UNALLOCATED>                                         0
        

</TABLE>