<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                           7,314
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 7,650
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     23,918
<INVESTMENTS-CARRYING>                          21,426
<INVESTMENTS-MARKET>                            21,440
<LOANS>                                        215,169
<ALLOWANCE>                                      2,593
<TOTAL-ASSETS>                                 286,695
<DEPOSITS>                                     234,048
<SHORT-TERM>                                    10,774
<LIABILITIES-OTHER>                              2,719
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           978
<OTHER-SE>                                      38,176
<TOTAL-LIABILITIES-AND-EQUITY>                 286,695
<INTEREST-LOAN>                                 11,421
<INTEREST-INVEST>                                1,621
<INTEREST-OTHER>                                   297
<INTEREST-TOTAL>                                13,339
<INTEREST-DEPOSIT>                               5,656
<INTEREST-EXPENSE>                               6,010
<INTEREST-INCOME-NET>                            7,329
<LOAN-LOSSES>                                      347
<SECURITIES-GAINS>                                   2
<EXPENSE-OTHER>                                  4,732
<INCOME-PRETAX>                                  3,296
<INCOME-PRE-EXTRAORDINARY>                       3,296
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,298
<EPS-PRIMARY>                                      .77
<EPS-DILUTED>                                      .77
<YIELD-ACTUAL>                                    5.43<F1>
<LOANS-NON>                                        769
<LOANS-PAST>                                       839
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,735
<CHARGE-OFFS>                                      422
<RECOVERIES>                                       121
<ALLOWANCE-CLOSE>                                2,593
<ALLOWANCE-DOMESTIC>                             2,593
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>COMPUTED ON A TAX-EQUIVALENT BASIS
</FN>