<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