<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION FROM CONSOLIDATED FINANCIAL
STATEMENTS FOR THE QUARTER ENDED SEPTEMBER 30, 1996 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>                                           4,486
<INT-BEARING-DEPOSITS>                              99
<FED-FUNDS-SOLD>                                   450
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     20,666
<INVESTMENTS-CARRYING>                          13,973
<INVESTMENTS-MARKET>                            13,991
<LOANS>                                         62,177
<ALLOWANCE>                                      1,233
<TOTAL-ASSETS>                                 104,172
<DEPOSITS>                                      93,714
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                757
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                              800
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                       8,901
<TOTAL-LIABILITIES-AND-EQUITY>                 104,172
<INTEREST-LOAN>                                  4,098
<INTEREST-INVEST>                                1,660
<INTEREST-OTHER>                                   203
<INTEREST-TOTAL>                                 5,961
<INTEREST-DEPOSIT>                               2,423
<INTEREST-EXPENSE>                               2,423
<INTEREST-INCOME-NET>                            3,538
<LOAN-LOSSES>                                       27
<SECURITIES-GAINS>                                   7
<EXPENSE-OTHER>                                  2,704
<INCOME-PRETAX>                                  1,258
<INCOME-PRE-EXTRAORDINARY>                       1,007
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,007
<EPS-PRIMARY>                                     6.29
<EPS-DILUTED>                                     6.29
<YIELD-ACTUAL>                                    8.08
<LOANS-NON>                                      1,211
<LOANS-PAST>                                       196
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    221
<ALLOWANCE-OPEN>                                 1,196
<CHARGE-OFFS>                                       61
<RECOVERIES>                                        71
<ALLOWANCE-CLOSE>                                1,233
<ALLOWANCE-DOMESTIC>                             1,233
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0