<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-01-1996 <PERIOD-END> SEP-30-1996 <CASH> 28,956 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 5,600 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 78,171 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 336,305 <ALLOWANCE> 5,369 <TOTAL-ASSETS> 467,652 <DEPOSITS> 410,467 <SHORT-TERM> 6,498 <LIABILITIES-OTHER> 2,736 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 37,687 <OTHER-SE> 10,264 <TOTAL-LIABILITIES-AND-EQUITY> 467,652 <INTEREST-LOAN> 22,395 <INTEREST-INVEST> 3,243 <INTEREST-OTHER> 346 <INTEREST-TOTAL> 25,984 <INTEREST-DEPOSIT> 8,198 <INTEREST-EXPENSE> 8,822 <INTEREST-INCOME-NET> 17,162 <LOAN-LOSSES> (470) <SECURITIES-GAINS> 14 <EXPENSE-OTHER> 16,445 <INCOME-PRETAX> 5,043 <INCOME-PRE-EXTRAORDINARY> 5,043 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,933 <EPS-PRIMARY> .39 <EPS-DILUTED> .39 <YIELD-ACTUAL> 5.59 <LOANS-NON> 2,313 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 5,734 <CHARGE-OFFS> 370 <RECOVERIES> 475 <ALLOWANCE-CLOSE> 5,369 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0