<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