<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-mos <FISCAL-YEAR-END> Dec-31-1996 <PERIOD-START> Jan-01-1996 <PERIOD-END> Sep-30-1996 <CASH> 6,808 <INT-BEARING-DEPOSITS> 722 <FED-FUNDS-SOLD> 600 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 71,144 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 172,738 <ALLOWANCE> (3,907) <TOTAL-ASSETS> 271,700 <DEPOSITS> 229,418 <SHORT-TERM> 2,695 <LIABILITIES-OTHER> 4,231 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 586 <OTHER-SE> 34,770 <TOTAL-LIABILITIES-AND-EQUITY> 271,700 <INTEREST-LOAN> 11,653 <INTEREST-INVEST> 2,344 <INTEREST-OTHER> 1,292 <INTEREST-TOTAL> 15,289 <INTEREST-DEPOSIT> 6,743 <INTEREST-EXPENSE> 7,159 <INTEREST-INCOME-NET> 8,130 <LOAN-LOSSES> 600 <SECURITIES-GAINS> 75 <EXPENSE-OTHER> 6,622 <INCOME-PRETAX> 2,211 <INCOME-PRE-EXTRAORDINARY> 2,211 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,356 <EPS-PRIMARY> .34 <EPS-DILUTED> .34 <YIELD-ACTUAL> 7.82 <LOANS-NON> 421 <LOANS-PAST> 751 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 3,327 <ALLOWANCE-OPEN> 5,228 <CHARGE-OFFS> (2,778) <RECOVERIES> 857 <ALLOWANCE-CLOSE> 3,907 <ALLOWANCE-DOMESTIC> 3,907 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0