<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JUL-01-1996 <PERIOD-END> SEP-30-1996 <CASH> 27,898 <INT-BEARING-DEPOSITS> 1,299 <FED-FUNDS-SOLD> 32,200 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 79,436 <INVESTMENTS-MARKET> 79,198 <LOANS> 220,057 <ALLOWANCE> 4,433 <TOTAL-ASSETS> 362,818 <DEPOSITS> 325,890 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,965 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 30,463 <OTHER-SE> 4,500 <TOTAL-LIABILITIES-AND-EQUITY> 362,818 <INTEREST-LOAN> 5,507 <INTEREST-INVEST> 1,282 <INTEREST-OTHER> 380 <INTEREST-TOTAL> 7,169 <INTEREST-DEPOSIT> 2,436 <INTEREST-EXPENSE> 2,436 <INTEREST-INCOME-NET> 4,733 <LOAN-LOSSES> 406 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,467 <INCOME-PRETAX> 2,672 <INCOME-PRE-EXTRAORDINARY> 2,672 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,523 <EPS-PRIMARY> 0.49 <EPS-DILUTED> 0.49 <YIELD-ACTUAL> 5.80 <LOANS-NON> 781 <LOANS-PAST> 39 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,410 <CHARGE-OFFS> 43 <RECOVERIES> 66 <ALLOWANCE-CLOSE> 4,433 <ALLOWANCE-DOMESTIC> 4,433 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0