<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> SEP-30-1996 <CASH> 28,749 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 10,300 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 105,080 <INVESTMENTS-CARRYING> 8,081 <INVESTMENTS-MARKET> 7,985 <LOANS> 218,387 <ALLOWANCE> 4,839 <TOTAL-ASSETS> 388,909 <DEPOSITS> 335,840 <SHORT-TERM> 2,165 <LIABILITIES-OTHER> 5,340 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 32,222 <OTHER-SE> 13,342 <TOTAL-LIABILITIES-AND-EQUITY> 388,909 <INTEREST-LOAN> 16,465 <INTEREST-INVEST> 4,588 <INTEREST-OTHER> 744 <INTEREST-TOTAL> 21,797 <INTEREST-DEPOSIT> 5,559 <INTEREST-EXPENSE> 5,650 <INTEREST-INCOME-NET> 16,147 <LOAN-LOSSES> 153 <SECURITIES-GAINS> 2 <EXPENSE-OTHER> 12,388 <INCOME-PRETAX> 6,944 <INCOME-PRE-EXTRAORDINARY> 6,944 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,083 <EPS-PRIMARY> 1.05 <EPS-DILUTED> 1.05 <YIELD-ACTUAL> 6.40 <LOANS-NON> 4,818 <LOANS-PAST> 0 <LOANS-TROUBLED> 3,580 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 6,265 <CHARGE-OFFS> 1,764 <RECOVERIES> 185 <ALLOWANCE-CLOSE> 4,839 <ALLOWANCE-DOMESTIC> 4,839 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 4,839