<ARTICLE> 9
<MULTIPLIER> 1,000
       
                                                  
<PERIOD-TYPE>                   YEAR                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1995             DEC-31-1996
<PERIOD-START>                             JAN-01-1995             JAN-01-1996
<PERIOD-END>                               DEC-31-1995             SEP-30-1996
<CASH>                                          18,956                  18,953
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                 7,000                  21,000
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     64,888                  60,926
<INVESTMENTS-CARRYING>                           6,099                   5,917
<INVESTMENTS-MARKET>                             6,256                   5,974
<LOANS>                                        105,209                 117,515
<ALLOWANCE>                                      2,478                   3,099
<TOTAL-ASSETS>                                 207,668                 230,292
<DEPOSITS>                                     164,046                 181,087
<SHORT-TERM>                                    20,000                  24,525
<LIABILITIES-OTHER>                              2,638                   2,602
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                        11,282                  11,041
<OTHER-SE>                                       9,702                  11,037
<TOTAL-LIABILITIES-AND-EQUITY>                 207,668                 230,292
<INTEREST-LOAN>                                 11,804                   9,474
<INTEREST-INVEST>                                3,644                   3,365
<INTEREST-OTHER>                                   671                     576
<INTEREST-TOTAL>                                16,119                  13,415
<INTEREST-DEPOSIT>                               2,970                   2,525
<INTEREST-EXPENSE>                               3,753                   3,540
<INTEREST-INCOME-NET>                           12,366                   9,875
<LOAN-LOSSES>                                      900                     675
<SECURITIES-GAINS>                                (48)                      66
<EXPENSE-OTHER>                                  9,855                   7,744
<INCOME-PRETAX>                                  5,169                   5,120
<INCOME-PRE-EXTRAORDINARY>                       5,169                   5,120
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     3,149                   3,087
<EPS-PRIMARY>                                     1.38                    1.38
<EPS-DILUTED>                                     1.38                    1.38
<YIELD-ACTUAL>                                    .075                    .067
<LOANS-NON>                                        824                     340
<LOANS-PAST>                                         3                     783
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 1,859                   2,478
<CHARGE-OFFS>                                      401                     174
<RECOVERIES>                                       120                     120
<ALLOWANCE-CLOSE>                                2,478                   3,099
<ALLOWANCE-DOMESTIC>                             2,478                   3,099
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0