<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