<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> SEP-30-1996 <CASH> 11,706 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 37,937 <INVESTMENTS-CARRYING> 11,784 <INVESTMENTS-MARKET> 11,784 <LOANS> 134,645 <ALLOWANCE> 1,902 <TOTAL-ASSETS> 200,809 <DEPOSITS> 169,934 <SHORT-TERM> 11,324 <LIABILITIES-OTHER> 1,197 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,805 <OTHER-SE> 16,630 <TOTAL-LIABILITIES-AND-EQUITY> 200,809 <INTEREST-LOAN> 8,687 <INTEREST-INVEST> 2,145 <INTEREST-OTHER> 158 <INTEREST-TOTAL> 10,990 <INTEREST-DEPOSIT> 5,271 <INTEREST-EXPENSE> 5,791 <INTEREST-INCOME-NET> 5,199 <LOAN-LOSSES> 135 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,201 <INCOME-PRETAX> 2,608 <INCOME-PRE-EXTRAORDINARY> 2,608 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,741 <EPS-PRIMARY> 1.93 <EPS-DILUTED> 1.93 <YIELD-ACTUAL> 3.82 <LOANS-NON> 335 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1,564 <ALLOWANCE-OPEN> 1,781 <CHARGE-OFFS> 44 <RECOVERIES> 30 <ALLOWANCE-CLOSE> 1,902 <ALLOWANCE-DOMESTIC> 1,902 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0