<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTD FROM
THIRD QUARTER 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                          13,993
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 1,320
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     69,693
<INVESTMENTS-CARRYING>                         104,361
<INVESTMENTS-MARKET>                           103,427
<LOANS>                                        190,109
<ALLOWANCE>                                      2,588
<TOTAL-ASSETS>                                 389,351
<DEPOSITS>                                     335,752
<SHORT-TERM>                                     1,462
<LIABILITIES-OTHER>                              1,639
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         9,482
<OTHER-SE>                                      41,016
<TOTAL-LIABILITIES-AND-EQUITY>                 389,351
<INTEREST-LOAN>                                 12,729
<INTEREST-INVEST>                                8,227
<INTEREST-OTHER>                                   424
<INTEREST-TOTAL>                                21,380
<INTEREST-DEPOSIT>                               9,749
<INTEREST-EXPENSE>                               9,772
<INTEREST-INCOME-NET>                           11,608
<LOAN-LOSSES>                                      216
<SECURITIES-GAINS>                                   6
<EXPENSE-OTHER>                                  6,961
<INCOME-PRETAX>                                  6,262
<INCOME-PRE-EXTRAORDINARY>                       6,262
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,554
<EPS-PRIMARY>                                     1.20
<EPS-DILUTED>                                     1.20
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                    0
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0