<ARTICLE> 9 <LEGEND> THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FORM-10Q FOR THE PERIOD ENDED SEPTEMBER 30, 1996 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <MULTIPLIER> 1000 <PERIOD-TYPE> 3-MOS 9-MOS <FISCAL-YEAR-END> DEC-31-1996 DEC-31-1996 <PERIOD-END> SEP-30-1996 SEP-30-1996 <CASH> 10659 10659 <INT-BEARING-DEPOSITS> 2728 2728 <FED-FUNDS-SOLD> 26110 26110 <TRADING-ASSETS> 0 0 <INVESTMENTS-HELD-FOR-SALE> 23484 23484 <INVESTMENTS-CARRYING> 14699 14699 <INVESTMENTS-MARKET> 14583 14583 <LOANS> 103655 103655 <ALLOWANCE> 1621 1621 <TOTAL-ASSETS> 192230 192230 <DEPOSITS> 156406 156406 <SHORT-TERM> 10525 10525 <LIABILITIES-OTHER> 539 539 <LONG-TERM> 7892 7892 <PREFERRED-MANDATORY> 0 0 <PREFERRED> 0 0 <COMMON> 20314 20314 <OTHER-SE> (3308) (3308) <TOTAL-LIABILITIES-AND-EQUITY> 192230 192230 <INTEREST-LOAN> 2574 7264 <INTEREST-INVEST> 545 1524 <INTEREST-OTHER> 361 950 <INTEREST-TOTAL> 3480 9738 <INTEREST-DEPOSIT> 950 2633 <INTEREST-EXPENSE> 1009 2778 <INTEREST-INCOME-NET> 2471 6960 <LOAN-LOSSES> 100 0 <SECURITIES-GAINS> 3 3 <EXPENSE-OTHER> 2754 8055 <INCOME-PRETAX> 71 290 <INCOME-PRE-EXTRAORDINARY> 71 290 <EXTRAORDINARY> 0 0 <CHANGES> 0 0 <NET-INCOME> 68 279 <EPS-PRIMARY> 0.02 0.09 <EPS-DILUTED> 0.02 0.09 <YIELD-ACTUAL> 5.39 5.39 <LOANS-NON> 4367 4367 <LOANS-PAST> 1232 1232 <LOANS-TROUBLED> 2076 2076 <LOANS-PROBLEM> 0 0 <ALLOWANCE-OPEN> 1519 2002 <CHARGE-OFFS> 6 406 <RECOVERIES> 8 25 <ALLOWANCE-CLOSE> 1621 1621 <ALLOWANCE-DOMESTIC> 1138 1138 <ALLOWANCE-FOREIGN> 0 0 <ALLOWANCE-UNALLOCATED> 482 482