  We construct two models of the formation a galaxy with a central black hole,
starting from a small initial fluctuation at recombination. This is an
application of previously developed methods to find a Lemaitre-Tolman model
that evolves from a given initial density or velocity profile to a given final
density profile. We show that the black hole itself could be either a collapsed
object, or a non-vacuum generalisation of a full Schwarzschild-Kruskal-Szekeres
wormhole. Particular attention is paid to the black hole's apparent and event
horizons.
