<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFROMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                            7675
<INT-BEARING-DEPOSITS>                            7425
<FED-FUNDS-SOLD>                                  7700
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      14782
<INVESTMENTS-CARRYING>                           34408
<INVESTMENTS-MARKET>                             34683
<LOANS>                                         161102
<ALLOWANCE>                                       2069
<TOTAL-ASSETS>                                  236807
<DEPOSITS>                                      199841
<SHORT-TERM>                                      2839
<LIABILITIES-OTHER>                              14087
<LONG-TERM>                                      10413
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                          4043
<OTHER-SE>                                       18836
<TOTAL-LIABILITIES-AND-EQUITY>                  236807
<INTEREST-LOAN>                                  11697
<INTEREST-INVEST>                                 2217
<INTEREST-OTHER>                                   466
<INTEREST-TOTAL>                                 14380
<INTEREST-DEPOSIT>                                6075
<INTEREST-EXPENSE>                                6478
<INTEREST-INCOME-NET>                             7902
<LOAN-LOSSES>                                      300
<SECURITIES-GAINS>                                 (9)
<EXPENSE-OTHER>                                   4429
<INCOME-PRETAX>                                   4098
<INCOME-PRE-EXTRAORDINARY>                        2925
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      2925
<EPS-PRIMARY>                                     2.27
<EPS-DILUTED>                                     2.27
<YIELD-ACTUAL>                                    4.83
<LOANS-NON>                                        182
<LOANS-PAST>                                       243
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                  1830
<CHARGE-OFFS>                                       82
<RECOVERIES>                                        21
<ALLOWANCE-CLOSE>                                 2069
<ALLOWANCE-DOMESTIC>                              1644
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            425