<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> SEP-30-1996 <CASH> 3077 <INT-BEARING-DEPOSITS> 200 <FED-FUNDS-SOLD> 20500 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 14430 <INVESTMENTS-CARRYING> 22664 <INVESTMENTS-MARKET> 22013 <LOANS> 43957 <ALLOWANCE> 720 <TOTAL-ASSETS> 109705 <DEPOSITS> 83235 <SHORT-TERM> 0 <LIABILITIES-OTHER> 901 <LONG-TERM> 14062 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4458 <OTHER-SE> 7049 <TOTAL-LIABILITIES-AND-EQUITY> 109705 <INTEREST-LOAN> 3151 <INTEREST-INVEST> 1982 <INTEREST-OTHER> 518 <INTEREST-TOTAL> 5651 <INTEREST-DEPOSIT> 1982 <INTEREST-EXPENSE> 2585 <INTEREST-INCOME-NET> 3066 <LOAN-LOSSES> (50) <SECURITIES-GAINS> (4) <EXPENSE-OTHER> 2184 <INCOME-PRETAX> 1171 <INCOME-PRE-EXTRAORDINARY> 726 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 726 <EPS-PRIMARY> 0.65 <EPS-DILUTED> 0.63 <YIELD-ACTUAL> 8.20 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 192 <LOANS-PROBLEM> 1022 <ALLOWANCE-OPEN> 776 <CHARGE-OFFS> 38 <RECOVERIES> 32 <ALLOWANCE-CLOSE> 720 <ALLOWANCE-DOMESTIC> 465 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 255