<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