<ARTICLE> 9 <CIK> 0000318300 <NAME> PEOPLES BANCORP INC. <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> SEP-30-1996 <CASH> 27,315 <INT-BEARING-DEPOSITS> 193 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 153,709 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 417,072 <ALLOWANCE> 6,906 <TOTAL-ASSETS> 617,241 <DEPOSITS> 506,803 <SHORT-TERM> 18,478 <LIABILITIES-OTHER> 6,797 <LONG-TERM> 31,455 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 34,263 <OTHER-SE> 19,445 <TOTAL-LIABILITIES-AND-EQUITY> 617,241 <INTEREST-LOAN> 27,657 <INTEREST-INVEST> 7,433 <INTEREST-OTHER> 275 <INTEREST-TOTAL> 35,365 <INTEREST-DEPOSIT> 13,917 <INTEREST-EXPENSE> 16,322 <INTEREST-INCOME-NET> 19,043 <LOAN-LOSSES> 1,380 <SECURITIES-GAINS> 26 <EXPENSE-OTHER> 12,890 <INCOME-PRETAX> 8,258 <INCOME-PRE-EXTRAORDINARY> 5,682 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5,682 <EPS-PRIMARY> 1.64 <EPS-DILUTED> 1.63 <YIELD-ACTUAL> 4.63 <LOANS-NON> 1,008 <LOANS-PAST> 644 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 2,698 <ALLOWANCE-OPEN> 6,726 <CHARGE-OFFS> 1,578 <RECOVERIES> 378 <ALLOWANCE-CLOSE> 6,906 <ALLOWANCE-DOMESTIC> 6,906 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0