<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