<ARTICLE> 9 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> SEP-30-1996 <CASH> 7062 <INT-BEARING-DEPOSITS> 44 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 26610 <INVESTMENTS-CARRYING> 58454 <INVESTMENTS-MARKET> 58405 <LOANS> 174706 <ALLOWANCE> 1955 <TOTAL-ASSETS> 280021 <DEPOSITS> 242540 <SHORT-TERM> 9281 <LIABILITIES-OTHER> 3675 <LONG-TERM> 1874 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1360 <OTHER-SE> 21292 <TOTAL-LIABILITIES-AND-EQUITY> 280021 <INTEREST-LOAN> 11703 <INTEREST-INVEST> 3970 <INTEREST-OTHER> 147 <INTEREST-TOTAL> 15819 <INTEREST-DEPOSIT> 7626 <INTEREST-EXPENSE> 8031 <INTEREST-INCOME-NET> 7789 <LOAN-LOSSES> 153 <SECURITIES-GAINS> 19 <EXPENSE-OTHER> 5452 <INCOME-PRETAX> 3212 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2244 <EPS-PRIMARY> 1.65 <EPS-DILUTED> 1.65 <YIELD-ACTUAL> 4.24 <LOANS-NON> 1389 <LOANS-PAST> 88 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1833 <CHARGE-OFFS> 50 <RECOVERIES> 20 <ALLOWANCE-CLOSE> 1955 <ALLOWANCE-DOMESTIC> 1955 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0