<ARTICLE>               9
<LEGEND>
THE FOLLOWING SCHEDULE CONTAINS SUMMARIZED FINANCIAL INFORMATION 
EXTRACTED FROM THE REGISTRANTS FORM 10-QSB FOR THE QUARTER ENDED 
SEPTEMBER 30, 1996.
</LEGEND>
<MULTIPLIER>            1000
       
                     
<PERIOD-TYPE>           9-MOS
<FISCAL-YEAR-END>       DEC-31-1996
<PERIOD-END>            SEP-30-1996
<CASH>                                  5,415 
<INT-BEARING-DEPOSITS>                      0
<FED-FUNDS-SOLD>                            0
<TRADING-ASSETS>                            0
<INVESTMENTS-HELD-FOR-SALE>            20,068 
<INVESTMENTS-CARRYING>                 10,055 
<INVESTMENTS-MARKET>                        0
<LOANS>                                67,295 
<ALLOWANCE>                               910 
<TOTAL-ASSETS>                        105,767 
<DEPOSITS>                             90,188 
<SHORT-TERM>                            3,100 
<LIABILITIES-OTHER>                     1,076 
<LONG-TERM>                                 0
<PREFERRED-MANDATORY>                       0
<PREFERRED>                                 0
<COMMON>                               11,210 
<OTHER-SE>                                193 
<TOTAL-LIABILITIES-AND-EQUITY>        105,767 
<INTEREST-LOAN>                         4,553 
<INTEREST-INVEST>                       1,193 
<INTEREST-OTHER>                          102 
<INTEREST-TOTAL>                        5,848 
<INTEREST-DEPOSIT>                      2,601 
<INTEREST-EXPENSE>                      2,619 
<INTEREST-INCOME-NET>                   3,229 
<LOAN-LOSSES>                              49 
<SECURITIES-GAINS>                        (12)
<EXPENSE-OTHER>                         2,952 
<INCOME-PRETAX>                           730 
<INCOME-PRE-EXTRAORDINARY>                404 
<EXTRAORDINARY>                             0
<CHANGES>                                   0
<NET-INCOME>                              404 
<EPS-PRIMARY>                            0.24 
<EPS-DILUTED>                               0
<YIELD-ACTUAL>                              0
<LOANS-NON>                               230
<LOANS-PAST>                              474 
<LOANS-TROUBLED>                            0
<LOANS-PROBLEM>                          1075
<ALLOWANCE-OPEN>                          910
<CHARGE-OFFS>                              56
<RECOVERIES>                                7
<ALLOWANCE-CLOSE>                         910
<ALLOWANCE-DOMESTIC>                        0
<ALLOWANCE-FOREIGN>                         0
<ALLOWANCE-UNALLOCATED>                     0