<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> 16,454 <INT-BEARING-DEPOSITS> 215 <FED-FUNDS-SOLD> 4,395 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 40,846 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 175,789 <ALLOWANCE> 2,148 <TOTAL-ASSETS> 253,891 <DEPOSITS> 228,739 <SHORT-TERM> 769 <LIABILITIES-OTHER> 4,252 <LONG-TERM> 106 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 15,298 <OTHER-SE> 4,727 <TOTAL-LIABILITIES-AND-EQUITY> 20,025 <INTEREST-LOAN> 11,515 <INTEREST-INVEST> 2,274 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 13,787 <INTEREST-DEPOSIT> 4,861 <INTEREST-EXPENSE> 4,910 <INTEREST-INCOME-NET> 8,879 <LOAN-LOSSES> 406 <SECURITIES-GAINS> 12 <EXPENSE-OTHER> 8,192 <INCOME-PRETAX> 2,230 <INCOME-PRE-EXTRAORDINARY> 2,230 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,410 <EPS-PRIMARY> .98 <EPS-DILUTED> .98 <YIELD-ACTUAL> 9.50 <LOANS-NON> 5,509 <LOANS-PAST> 685 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,701 <CHARGE-OFFS> 155 <RECOVERIES> 40 <ALLOWANCE-CLOSE> 2,148 <ALLOWANCE-DOMESTIC> 2,148 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0