WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE. <ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1996 <PEIOD START> JAN-1-1996 <PERIOD-END> SEPTEMBER 30, 1996 <CASH> 8,176 <INT-BEARING-DEPOSITS> 61,036 <FED-FUNDS-SOLD> 5,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 11,346 <INVESTMENTS-CARRYING> 17,950 <INVESTMENTS-MARKET> 17,895 <LOANS> 65,761 <ALLOWANCE> 964 <TOTAL-ASSETS> 99,128 <DEPOSITS> 86,634 <SHORT-TERM> 2,167 <LIABILITIES-OTHER> 820 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 3,662 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 99,128 <INTEREST-LOAN> 4,736 <INTEREST-INVEST> 862 <INTEREST-OTHER> 209 <INTEREST-TOTAL> 5,807 <INTEREST-DEPOSIT> 1,750 <INTEREST-EXPENSE> 1,827 <INTEREST-INCOME-NET> 3,980 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,441 <INCOME-PRETAX> 1,429 <INCOME-PRE-EXTRAORDINARY> 1,429 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 862 <EPS-PRIMARY> 0.80 <EPS-DILUTED> 0.71 <YIELD-ACTUAL> 6.22 <LOANS-NON> 171 <LOANS-PAST> 267 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 438 <ALLOWANCE-OPEN> 982 <CHARGE-OFFS> 33 <RECOVERIES> 15 <ALLOWANCE-CLOSE> 964 <ALLOWANCE-DOMESTIC> 964 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 397