<ARTICLE> 9 <MULTIPLIER> 1,000 <CURRENCY> U.S. DOLLARS <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> SEP-30-1996 <EXCHANGE-RATE> 1 <CASH> 18,093 <INT-BEARING-DEPOSITS> 495 <FED-FUNDS-SOLD> 8,800 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 26,766 <INVESTMENTS-CARRYING> 7,297 <INVESTMENTS-MARKET> 7,316 <LOANS> 139,366 <ALLOWANCE> 2,856 <TOTAL-ASSETS> 204,108 <DEPOSITS> 187,660 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,109 <LONG-TERM> 0 <PREFERRED-MANDATORY> 13,963 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 1,514 <TOTAL-LIABILITIES-AND-EQUITY> 204,108 <INTEREST-LOAN> 9,348 <INTEREST-INVEST> 1,176 <INTEREST-OTHER> 600 <INTEREST-TOTAL> 11,124 <INTEREST-DEPOSIT> 2,220 <INTEREST-EXPENSE> 2,224 <INTEREST-INCOME-NET> 8,900 <LOAN-LOSSES> 724 <SECURITIES-GAINS> 19 <EXPENSE-OTHER> 7,748 <INCOME-PRETAX> 1,327 <INCOME-PRE-EXTRAORDINARY> 1,327 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 838 <EPS-PRIMARY> .59 <EPS-DILUTED> .58 <YIELD-ACTUAL> 0 <LOANS-NON> 5,920 <LOANS-PAST> 86 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,003 <CHARGE-OFFS> 890 <RECOVERIES> 19 <ALLOWANCE-CLOSE> 2,856 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0