<ARTICLE>                                                                   9
<MULTIPLIER>                                                            1,000
       
                                       
<PERIOD-TYPE>                             9-MOS
<FISCAL-YEAR-END>                                                 DEC-31-1996
<PERIOD-END>                                                      SEP-30-1996
<CASH>                                                                  4,582
<INT-BEARING-DEPOSITS>                                                      0
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<TRADING-ASSETS>                                                            0
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<ALLOWANCE>                                                               860
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<SHORT-TERM>                                                                0
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<PREFERRED>                                                                 0
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<INCOME-PRETAX>                                                         1,375
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<CHANGES>                                                                   0
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<EPS-PRIMARY>                                                            1.44
<EPS-DILUTED>                                                            1.44
<YIELD-ACTUAL>                                                           4.78
<LOANS-NON>                                                                 0
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<LOANS-TROUBLED>                                                            0
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<ALLOWANCE-OPEN>                                                          828
<CHARGE-OFFS>                                                             209
<RECOVERIES>                                                               56
<ALLOWANCE-CLOSE>                                                         860
<ALLOWANCE-DOMESTIC>                                                       76
<ALLOWANCE-FOREIGN>                                                         0
<ALLOWANCE-UNALLOCATED>                                                   784