<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                           8,383
<INT-BEARING-DEPOSITS>                           3,200
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     64,349
<INVESTMENTS-CARRYING>                          10,874
<INVESTMENTS-MARKET>                            10,202
<LOANS>                                        121,212
<ALLOWANCE>                                      1,951
<TOTAL-ASSETS>                                 217,891
<DEPOSITS>                                     192,395
<SHORT-TERM>                                     5,000
<LIABILITIES-OTHER>                              2,506
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         5,044
<OTHER-SE>                                      12,946
<TOTAL-LIABILITIES-AND-EQUITY>                 217,891
<INTEREST-LOAN>                                  7,547
<INTEREST-INVEST>                                3,493
<INTEREST-OTHER>                                   283
<INTEREST-TOTAL>                                11,323
<INTEREST-DEPOSIT>                               4,786
<INTEREST-EXPENSE>                               4,869
<INTEREST-INCOME-NET>                            6,454
<LOAN-LOSSES>                                      100
<SECURITIES-GAINS>                                   4
<EXPENSE-OTHER>                                  5,240
<INCOME-PRETAX>                                  2,670
<INCOME-PRE-EXTRAORDINARY>                       1,768
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,768
<EPS-PRIMARY>                                      .88
<EPS-DILUTED>                                      .88
<YIELD-ACTUAL>                                    7.58
<LOANS-NON>                                      1,716
<LOANS-PAST>                                       347
<LOANS-TROUBLED>                                   428
<LOANS-PROBLEM>                                    605
<ALLOWANCE-OPEN>                                 2,142
<CHARGE-OFFS>                                      573
<RECOVERIES>                                       282
<ALLOWANCE-CLOSE>                                1,951
<ALLOWANCE-DOMESTIC>                             1,308
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            643