<ARTICLE> 9 <LEGEND> This schedule contains summary financial information extracted from the Form 10-QSB for quarters ended March 31, 1996, June 30, 1996, September 30, 1996, and is qualified in its entirety by reference to such financial statements and accompanying disclosures. </LEGEND> <CURRENCY> US Dollars <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-mos 6-mos 9-mos <FISCAL-YEAR-END> Dec-31-1996 Dec-31-1996 Dec-31-1996 <PERIOD-START> Jan-01-1996 Jan-01-1996 Jan-01-1996 <PERIOD-END> Mar-31-1996 Jun-30-1996 Sep-30-1996 <EXCHANGE-RATE> 1 1 1 <CASH> 13,941 17,015 16,568 <INT-BEARING-DEPOSITS> 0 0 0 <FED-FUNDS-SOLD> 2,000 0 1,500 <TRADING-ASSETS> 0 0 0 <INVESTMENTS-HELD-FOR-SALE> 48,190 48,040 55,964 <INVESTMENTS-CARRYING> 15,264 15,448 15,316 <INVESTMENTS-MARKET> 15,375 15,506 15,408 <LOANS> 179,554 188,305 191,084 <ALLOWANCE> 3,859 4,021 3,998 <TOTAL-ASSETS> 267,358 276,758 288,182 <DEPOSITS> 203,737 213,176 229,755 <SHORT-TERM> 31,567 31,767 25,256 <LIABILITIES-OTHER> 5,025 3,707 3,500 <LONG-TERM> 0 0 0 <PREFERRED-MANDATORY> 0 0 0 <PREFERRED> 0 0 0 <COMMON> 19,711 19,897 20,170 <OTHER-SE> 7,318 8,211 9,501 <TOTAL-LIABILITIES-AND-EQUITY> 267,358 276,758 288,182 <INTEREST-LOAN> 4,914 9,979 15,199 <INTEREST-INVEST> 938 1,942 2,986 <INTEREST-OTHER> (2) (5) (7) <INTEREST-TOTAL> 5,850 11,916 18,178 <INTEREST-DEPOSIT> 1,483 3,109 4,796 <INTEREST-EXPENSE> 1,929 3,976 6,010 <INTEREST-INCOME-NET> 3,921 7,940 12,168 <LOAN-LOSSES> 20 50 100 <SECURITIES-GAINS> 0 (79) (146) <EXPENSE-OTHER> 2,473 4,813 7,236 <INCOME-PRETAX> 1,688 3,510 5,447 <INCOME-PRE-EXTRAORDINARY> 1,688 3,510 5,447 <EXTRAORDINARY> 0 0 0 <CHANGES> 0 0 0 <NET-INCOME> 959 2,003 3,123 <EPS-PRIMARY> .40 .82 1.27 <EPS-DILUTED> .37 .77 1.19 <YIELD-ACTUAL> .067 .065 .067 <LOANS-NON> 235 428 615 <LOANS-PAST> 246 17 0 <LOANS-TROUBLED> 0 0 0 <LOANS-PROBLEM> 0 0 0 <ALLOWANCE-OPEN> 3,847 3,847 3,847 <CHARGE-OFFS> 176 186 341 <RECOVERIES> 118 260 342 <ALLOWANCE-CLOSE> 3,859 4,021 3,998 <ALLOWANCE-DOMESTIC> 3,601 3,473 3,471 <ALLOWANCE-FOREIGN> 0 0 0 <ALLOWANCE-UNALLOCATED> 258 548 527