<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               SEP-30-1996
<CASH>                                       7,906,000
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
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<INVESTMENTS-CARRYING>                       2,758,000
<INVESTMENTS-MARKET>                         2,815,000
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<DEPOSITS>                                 176,373,000
<SHORT-TERM>                                   521,000
<LIABILITIES-OTHER>                          1,785,000
<LONG-TERM>                                    815,000
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<COMMON>                                       622,000
<OTHER-SE>                                  19,749,000
<TOTAL-LIABILITIES-AND-EQUITY>             200,222,000
<INTEREST-LOAN>                              7,803,000
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<INTEREST-DEPOSIT>                           4,552,000
<INTEREST-EXPENSE>                           4,666,000
<INTEREST-INCOME-NET>                        6,470,000
<LOAN-LOSSES>                                  120,000
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<EXPENSE-OTHER>                              4,935,000
<INCOME-PRETAX>                              2,156,000
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<EPS-PRIMARY>                                     1.42
<EPS-DILUTED>                                     1.42
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