<ARTICLE>                                                   9


<MULTIPLIER>                                             1000


       

                                     
<PERIOD-TYPE>                           9-mos
<FISCAL-YEAR-END>                                                DEC-31-1996

<PERIOD-END>                                                     SEP-30-1996

<CASH>                                                           23,268
<INT-BEARING-DEPOSITS>                                                0
<FED-FUNDS-SOLD>                                                 12,900
<TRADING-ASSETS>                                                      0
<INVESTMENTS-HELD-FOR-SALE>                                      32,081
<INVESTMENTS-CARRYING>                                            2,366
<INVESTMENTS-MARKET>                                              2,360
<LOANS>                                                         305,161
<ALLOWANCE>                                                       4,577
<TOTAL-ASSETS>                                                  405,241
<DEPOSITS>                                                      358,949
<SHORT-TERM>                                                          0
<LIABILITIES-OTHER>                                               5,405
<LONG-TERM>                                                       9,035
<PREFERRED-MANDATORY>                                                 0
<PREFERRED>                                                           0
<COMMON>                                                         11,758
<OTHER-SE>                                                       20,094
<TOTAL-LIABILITIES-AND-EQUITY>                                  405,241
<INTEREST-LOAN>                                                  22,001
<INTEREST-INVEST>                                                 1,210
<INTEREST-OTHER>                                                    732
<INTEREST-TOTAL>                                                 23,943
<INTEREST-DEPOSIT>                                                8,363
<INTEREST-EXPENSE>                                                8,913
<INTEREST-INCOME-NET>                                            15,030
<LOAN-LOSSES>                                                       910
<SECURITIES-GAINS>                                                   (8)
<EXPENSE-OTHER>                                                  16,302
<INCOME-PRETAX>                                                   3,064
<INCOME-PRE-EXTRAORDINARY>                                        1,896
<EXTRAORDINARY>                                                       0
<CHANGES>                                                             0
<NET-INCOME>                                                      1,896
<EPS-PRIMARY>                                                       .68
<EPS-DILUTED>                                                       .60
<YIELD-ACTUAL>                                                     6.25
<LOANS-NON>                                                       5,745
<LOANS-PAST>                                                      2,086
<LOANS-TROUBLED>                                                      0
<LOANS-PROBLEM>                                                       0
<ALLOWANCE-OPEN>                                                  3,845
<CHARGE-OFFS>                                                       421
<RECOVERIES>                                                        243
<ALLOWANCE-CLOSE>                                                 4,577
<ALLOWANCE-DOMESTIC>                                              4,577
<ALLOWANCE-FOREIGN>                                                   0
<ALLOWANCE-UNALLOCATED>                                               0