<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                          12,415
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                27,700
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      5,694
<INVESTMENTS-CARRYING>                          17,468
<INVESTMENTS-MARKET>                            17,727
<LOANS>                                        159,537
<ALLOWANCE>                                    (3,838)
<TOTAL-ASSETS>                                 232,590
<DEPOSITS>                                     209,380
<SHORT-TERM>                                       415
<LIABILITIES-OTHER>                              1,669
<LONG-TERM>                                        160
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         8,457
<OTHER-SE>                                      12,509
<TOTAL-LIABILITIES-AND-EQUITY>                 232,590
<INTEREST-LOAN>                                 12,753
<INTEREST-INVEST>                                1,325
<INTEREST-OTHER>                                   924
<INTEREST-TOTAL>                                15,002
<INTEREST-DEPOSIT>                               5,346
<INTEREST-EXPENSE>                               5,346
<INTEREST-INCOME-NET>                            9,629
<LOAN-LOSSES>                                      180
<SECURITIES-GAINS>                                   5
<EXPENSE-OTHER>                                  7,290
<INCOME-PRETAX>                                  4,063
<INCOME-PRE-EXTRAORDINARY>                       4,063
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,478
<EPS-PRIMARY>                                     1.70
<EPS-DILUTED>                                     1.47
<YIELD-ACTUAL>                                    9.51
<LOANS-NON>                                      1,382
<LOANS-PAST>                                       399
<LOANS-TROUBLED>                                 1,622
<LOANS-PROBLEM>                                  7,249
<ALLOWANCE-OPEN>                                 3,911
<CHARGE-OFFS>                                      322
<RECOVERIES>                                        69
<ALLOWANCE-CLOSE>                                3,838
<ALLOWANCE-DOMESTIC>                             3,838
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0