<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> SEP-30-1996 <CASH> 25882 <INT-BEARING-DEPOSITS> 3848 <FED-FUNDS-SOLD> 600 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 119706 <INVESTMENTS-CARRYING> 3423 <INVESTMENTS-MARKET> 3430 <LOANS> 348065 <ALLOWANCE> 2705 <TOTAL-ASSETS> 523569 <DEPOSITS> 410316 <SHORT-TERM> 61006 <LIABILITIES-OTHER> 7246 <LONG-TERM> 6450 <PREFERRED-MANDATORY> 0 <PREFERRED> 3100 <COMMON> 3748 <OTHER-SE> 31703 <TOTAL-LIABILITIES-AND-EQUITY> 523569 <INTEREST-LOAN> 20443 <INTEREST-INVEST> 5623 <INTEREST-OTHER> 202 <INTEREST-TOTAL> 26268 <INTEREST-DEPOSIT> 11409 <INTEREST-EXPENSE> 13110 <INTEREST-INCOME-NET> 13158 <LOAN-LOSSES> 36 <SECURITIES-GAINS> (10) <EXPENSE-OTHER> 11898 <INCOME-PRETAX> 4721 <INCOME-PRE-EXTRAORDINARY> 4721 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3058 <EPS-PRIMARY> 3.11 <EPS-DILUTED> 2.94 <YIELD-ACTUAL> 7.89 <LOANS-NON> 230 <LOANS-PAST> 382 <LOANS-TROUBLED> 588 <LOANS-PROBLEM> 818 <ALLOWANCE-OPEN> 2814 <CHARGE-OFFS> 233 <RECOVERIES> 88 <ALLOWANCE-CLOSE> 2705 <ALLOWANCE-DOMESTIC> 2705 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 303