<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
registrant's September 30, 1996 unaudited balance sheet, income statement and
cash flow statement, and notes thereto, and is qualified in its entirety by
reference to such financial statements.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                       5,405,000
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             1,658,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                154,040,000
<INVESTMENTS-CARRYING>                      29,326,000
<INVESTMENTS-MARKET>                        28,424,000
<LOANS>                                    251,912,000
<ALLOWANCE>                                  1,560,000
<TOTAL-ASSETS>                             459,966,000
<DEPOSITS>                                 355,267,000
<SHORT-TERM>                                44,655,000
<LIABILITIES-OTHER>                          3,988,000
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     2,542,000
<OTHER-SE>                                  42,454,000
<TOTAL-LIABILITIES-AND-EQUITY>             459,966,000
<INTEREST-LOAN>                             14,529,000
<INTEREST-INVEST>                            7,065,000
<INTEREST-OTHER>                               441,000
<INTEREST-TOTAL>                            22,035,000
<INTEREST-DEPOSIT>                          10,751,000
<INTEREST-EXPENSE>                          11,806,000
<INTEREST-INCOME-NET>                       10,229,000
<LOAN-LOSSES>                                  254,000
<SECURITIES-GAINS>                            (20,000)
<EXPENSE-OTHER>                              7,360,000
<INCOME-PRETAX>                              4,540,000
<INCOME-PRE-EXTRAORDINARY>                   4,540,000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 3,118,000
<EPS-PRIMARY>                                     1.60
<EPS-DILUTED>                                     1.58
<YIELD-ACTUAL>                                    3.40
<LOANS-NON>                                  1,842,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,578,000
<CHARGE-OFFS>                                  370,000
<RECOVERIES>                                    98,000
<ALLOWANCE-CLOSE>                            1,560,000
<ALLOWANCE-DOMESTIC>                         1,310,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        250,000