<ARTICLE> 9
<LEGEND>
This schedule contains summary information extracted from Condensed Balance
Sheet and Statement of Income and is qualified in its entirety by reference to
such financial statements.
</LEGEND>
       
                                                  
<PERIOD-TYPE>                   12-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1996
<PERIOD-END>                               SEP-30-1996             SEP-30-1996
<CASH>                                           7,935                       0
<INT-BEARING-DEPOSITS>                             137                       0
<FED-FUNDS-SOLD>                                 6,000                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     85,042                       0
<INVESTMENTS-CARRYING>                               0                       0
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                        215,028                       0
<ALLOWANCE>                                      2,823                       0
<TOTAL-ASSETS>                                 321,397                       0
<DEPOSITS>                                     271,031                       0
<SHORT-TERM>                                    14,778                       0
<LIABILITIES-OTHER>                              3,350                       0
<LONG-TERM>                                      5,500                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                         1,251                       0
<OTHER-SE>                                      25,487                       0
<TOTAL-LIABILITIES-AND-EQUITY>                 321,397                       0
<INTEREST-LOAN>                                 13,458                   4,639
<INTEREST-INVEST>                                3,976                   1,367
<INTEREST-OTHER>                                   258                      64
<INTEREST-TOTAL>                                17,692                   6,070
<INTEREST-DEPOSIT>                               8,025                   2,775
<INTEREST-EXPENSE>                               8,868                   3,068
<INTEREST-INCOME-NET>                            8,824                   3,002
<LOAN-LOSSES>                                       90                      30
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                  6,608                   2,562
<INCOME-PRETAX>                                  3,219                     769
<INCOME-PRE-EXTRAORDINARY>                       3,219                     769
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     1,799                     318
<EPS-PRIMARY>                                     1.40                     .25
<EPS-DILUTED>                                     1.40                     .25
<YIELD-ACTUAL>                                    7.96                       0
<LOANS-NON>                                      1,456                       0
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 2,754                       0
<CHARGE-OFFS>                                       68                       0
<RECOVERIES>                                        47                       0
<ALLOWANCE-CLOSE>                                2,823                       0
<ALLOWANCE-DOMESTIC>                             1,501                       0
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                          1,322                       0