<ARTICLE>             9
<MULTIPLIER>          1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                             739
<INT-BEARING-DEPOSITS>                           4,723
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     23,022
<INVESTMENTS-CARRYING>                           3,112
<INVESTMENTS-MARKET>                             3,166
<LOANS>                                        278,851
<ALLOWANCE>                                      1,512
<TOTAL-ASSETS>                                 320,372
<DEPOSITS>                                     254,501
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              5,230
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        34,669
<OTHER-SE>                                      25,972
<TOTAL-LIABILITIES-AND-EQUITY>                 320,372
<INTEREST-LOAN>                                 17,117
<INTEREST-INVEST>                                1,358
<INTEREST-OTHER>                                   578
<INTEREST-TOTAL>                                19,053
<INTEREST-DEPOSIT>                               8,730
<INTEREST-EXPENSE>                               8,730
<INTEREST-INCOME-NET>                           10,323
<LOAN-LOSSES>                                      135
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  8,108
<INCOME-PRETAX>                                  2,379
<INCOME-PRE-EXTRAORDINARY>                       1,042
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,042
<EPS-PRIMARY>                                     0.20
<EPS-DILUTED>                                     0.20
<YIELD-ACTUAL>                                    4.29
<LOANS-NON>                                        546
<LOANS-PAST>                                       925
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,376
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         1
<ALLOWANCE-CLOSE>                                1,512
<ALLOWANCE-DOMESTIC>                             1,512
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0