<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               SEP-30-1996
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<ALLOWANCE>                                      1,310
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<DEPOSITS>                                     172,481
<SHORT-TERM>                                         0
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<LONG-TERM>                                          0
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<INTEREST-EXPENSE>                               5,681
<INTEREST-INCOME-NET>                            5,681
<LOAN-LOSSES>                                      225
<SECURITIES-GAINS>                                   0
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