<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE CONSOLIDATED BALANCE SHEET AND CONSOLIDATED STATEMENTS OF OPERATIONS FOUND ON PAGES 2 AND 3 OF THE COMPANY'S 10-QSB FOR SEPTEMBER 30, 1996 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> SEP-30-1996 <CASH> 25,435,000 <INT-BEARING-DEPOSITS> 151,004,000 <FED-FUNDS-SOLD> 11,200,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 21,734,000 <INVESTMENTS-CARRYING> 10,085,000 <INVESTMENTS-MARKET> 9,995,000 <LOANS> 175,580,000 <ALLOWANCE> 3,385,000 <TOTAL-ASSETS> 258,548,000 <DEPOSITS> 229,235,000 <SHORT-TERM> 4,278,000 <LIABILITIES-OTHER> 2,029,000 <LONG-TERM> 3,680,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 9,958,000 <OTHER-SE> 9,368,000 <TOTAL-LIABILITIES-AND-EQUITY> 258,548,000 <INTEREST-LOAN> 13,151,000 <INTEREST-INVEST> 1,155,000 <INTEREST-OTHER> 288,000 <INTEREST-TOTAL> 14,594,000 <INTEREST-DEPOSIT> 3,474,000 <INTEREST-EXPENSE> 3,780,000 <INTEREST-INCOME-NET> 10,814,000 <LOAN-LOSSES> 1,100,000 <SECURITIES-GAINS> (24,000) <EXPENSE-OTHER> 11,517,000 <INCOME-PRETAX> 3,557,000 <INCOME-PRE-EXTRAORDINARY> 2,102,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,102,000 <EPS-PRIMARY> 1.10 <EPS-DILUTED> 1.02 <YIELD-ACTUAL> 7.07 <LOANS-NON> 5,415,000 <LOANS-PAST> 0 <LOANS-TROUBLED> 4,388,000 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,916,000 <CHARGE-OFFS> 887,000 <RECOVERIES> 256,000 <ALLOWANCE-CLOSE> 3,385,000 <ALLOWANCE-DOMESTIC> 3,385,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0