<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JUL-01-1996 <PERIOD-END> SEP-30-1996 <CASH> 11,008 <INT-BEARING-DEPOSITS> 7,000 <FED-FUNDS-SOLD> 3,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 28,334 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 102,677 <ALLOWANCE> 1,650 <TOTAL-ASSETS> 170,814 <DEPOSITS> 152,068 <SHORT-TERM> 0 <LIABILITIES-OTHER> 5,475 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 8,868 <OTHER-SE> 4,544 <TOTAL-LIABILITIES-AND-EQUITY> 170,814 <INTEREST-LOAN> 8,380 <INTEREST-INVEST> 1,338 <INTEREST-OTHER> 60 <INTEREST-TOTAL> 9,778 <INTEREST-DEPOSIT> 3,296 <INTEREST-EXPENSE> 3,437 <INTEREST-INCOME-NET> 6,341 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 7,336 <INCOME-PRETAX> 1,455 <INCOME-PRE-EXTRAORDINARY> 842 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 842 <EPS-PRIMARY> 0.46 <EPS-DILUTED> 0.45 <YIELD-ACTUAL> 6.55 <LOANS-NON> 3,524 <LOANS-PAST> 75 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 164 <ALLOWANCE-OPEN> 1,784 <CHARGE-OFFS> 209 <RECOVERIES> 75 <ALLOWANCE-CLOSE> 1,650 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,650