<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> SEP-30-1996 <CASH> 5245 <INT-BEARING-DEPOSITS> 27467 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 28112 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 140101 <ALLOWANCE> 2200 <TOTAL-ASSETS> 205020 <DEPOSITS> 172169 <SHORT-TERM> 1631 <LIABILITIES-OTHER> 2847 <LONG-TERM> 4741 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1202 <OTHER-SE> 22430 <TOTAL-LIABILITIES-AND-EQUITY> 205020 <INTEREST-LOAN> 9329 <INTEREST-INVEST> 2711 <INTEREST-OTHER> 3 <INTEREST-TOTAL> 12043 <INTEREST-DEPOSIT> 5350 <INTEREST-EXPENSE> 5625 <INTEREST-INCOME-NET> 6418 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 12 <EXPENSE-OTHER> 3574 <INCOME-PRETAX> 3358 <INCOME-PRE-EXTRAORDINARY> 3358 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2393 <EPS-PRIMARY> 2.02 <EPS-DILUTED> 2.02 <YIELD-ACTUAL> 8.6 <LOANS-NON> 1522 <LOANS-PAST> 279 <LOANS-TROUBLED> 123 <LOANS-PROBLEM> 1533 <ALLOWANCE-OPEN> 2347 <CHARGE-OFFS> 348 <RECOVERIES> 201 <ALLOWANCE-CLOSE> 2200 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0