<ARTICLE> 9 <LEGEND> At September 30, 1996, and for the nine month period ended September 30, 1996: </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> SEP-30-1996 <CASH> 21,280 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 146,087 <INVESTMENTS-CARRYING> 51,125 <INVESTMENTS-MARKET> 51,357 <LOANS> 454,707 <ALLOWANCE> 4,218 <TOTAL-ASSETS> 700,902 <DEPOSITS> 619,107 <SHORT-TERM> 13,001 <LIABILITIES-OTHER> 4,349 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 429 <OTHER-SE> 64,016 <TOTAL-LIABILITIES-AND-EQUITY> 700,902 <INTEREST-LOAN> 27,824 <INTEREST-INVEST> 9,766 <INTEREST-OTHER> 848 <INTEREST-TOTAL> 38,438 <INTEREST-DEPOSIT> 14,812 <INTEREST-EXPENSE> 15,356 <INTEREST-INCOME-NET> 23,082 <LOAN-LOSSES> 300 <SECURITIES-GAINS> 52 <EXPENSE-OTHER> 20,440 <INCOME-PRETAX> 8,839 <INCOME-PRE-EXTRAORDINARY> 5,655 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5,655 <EPS-PRIMARY> 1.32 <EPS-DILUTED> 1.32 <YIELD-ACTUAL> 7.71 <LOANS-NON> 2,496 <LOANS-PAST> 64 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,066 <CHARGE-OFFS> 415 <RECOVERIES> 267 <ALLOWANCE-CLOSE> 4,218 <ALLOWANCE-DOMESTIC> 4,218 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0