<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED
FROM THE CONDENSED CONSOLIDATED FINANCIAL STATEMENTS AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                           7,227
<INT-BEARING-DEPOSITS>                             384
<FED-FUNDS-SOLD>                                 2,320
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     11,462
<INVESTMENTS-CARRYING>                          24,739
<INVESTMENTS-MARKET>                            24,258
<LOANS>                                         77,993
<ALLOWANCE>                                        946
<TOTAL-ASSETS>                                 129,736
<DEPOSITS>                                     118,157
<SHORT-TERM>                                       751
<LIABILITIES-OTHER>                                997
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         8,909
<OTHER-SE>                                         923
<TOTAL-LIABILITIES-AND-EQUITY>                 129,736
<INTEREST-LOAN>                                  5,589
<INTEREST-INVEST>                                2,048
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 7,637
<INTEREST-DEPOSIT>                               2,983
<INTEREST-EXPENSE>                               3,007
<INTEREST-INCOME-NET>                            4,630
<LOAN-LOSSES>                                      175
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  4,227
<INCOME-PRETAX>                                  2,809
<INCOME-PRE-EXTRAORDINARY>                       2,809
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,649
<EPS-PRIMARY>                                     1.83
<EPS-DILUTED>                                     1.83
<YIELD-ACTUAL>                                    8.99
<LOANS-NON>                                         79
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   752
<CHARGE-OFFS>                                        0
<RECOVERIES>                                        19
<ALLOWANCE-CLOSE>                                  946
<ALLOWANCE-DOMESTIC>                               946
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                             98