ACCESSION NUMBER 0000887203-97-000005
                             Exhibit 12.3


<TABLE> <S> <C>

<ARTICLE> 9
       
<S>                                   <C>
<PERIOD-TYPE>                              12-MOS
<FISCAL-YEAR-END>                     DEC-31-1996
<PERIOD-START>                        JAN-01-1996
<PERIOD-END>                          DEC-31-1996
<CASH>                                     383547
<INT-BEARING-DEPOSITS>                          0 
<FED-FUNDS-SOLD>                          5429000
<TRADING-ASSETS>                                0   
<INVESTMENTS-HELD-FOR-SALE>               1993167
<INVESTMENTS-CARRYING>                          0
<INVESTMENTS-MARKET>                      1396103  
<LOANS>                                   1122913
<ALLOWANCE>                                (20000)
<TOTAL-ASSETS>                           12994091
<DEPOSITS>                                6505572
<SHORT-TERM>                                    0
<LIABILITIES-OTHER>                       2784975
<LONG-TERM>                                     0
                           0
                                     0
<COMMON>                                   370761
<OTHER-SE>                                3332783
<TOTAL-LIABILITIES-AND-EQUITY>           12994091
<INTEREST-LOAN>                             13614 
<INTEREST-INVEST>                          183341
<INTEREST-OTHER>                                0
<INTEREST-TOTAL>                           196955
<INTEREST-DEPOSIT>                          42233  
<INTEREST-EXPENSE>                          42714
<INTEREST-INCOME-NET>                      154241
<LOAN-LOSSES>                               20000
<SECURITIES-GAINS>                              0 
<EXPENSE-OTHER>                          1041256
<INCOME-PRETAX>                           (904961)
<INCOME-PRE-EXTRAORDINARY>                      0
<EXTRAORDINARY>                                 0
<CHANGES>                                  (31600)
<NET-INCOME>                              (873361)
<EPS-PRIMARY>                               (2.38)   
<EPS-DILUTED>                               (2.38)
<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>                           20000
<ALLOWANCE-DOMESTIC>                            0
<ALLOWANCE-FOREIGN>                             0
<ALLOWANCE-UNALLOCATED>                     20000
        

</TABLE>



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