<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JUL-01-1996
<PERIOD-END>                               SEP-30-1996
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<DEPOSITS>                                     439,402
<SHORT-TERM>                                    28,850
<LIABILITIES-OTHER>                              3,886
<LONG-TERM>                                     11,125
<COMMON>                                        14,251
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<OTHER-SE>                                      42,931
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<INTEREST-LOAN>                                  8,216
<INTEREST-INVEST>                                2,122
<INTEREST-OTHER>                                   118
<INTEREST-TOTAL>                                10,456
<INTEREST-DEPOSIT>                               4,395
<INTEREST-EXPENSE>                               4,978
<INTEREST-INCOME-NET>                            5,478
<LOAN-LOSSES>                                      242
<SECURITIES-GAINS>                                   6
<EXPENSE-OTHER>                                  3,696
<INCOME-PRETAX>                                  2,291
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<EXTRAORDINARY>                                      0
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<EPS-PRIMARY>                                      .49
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<YIELD-ACTUAL>                                    8.74
<LOANS-NON>                                        477
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<ALLOWANCE-OPEN>                                 4,112
<CHARGE-OFFS>                                      617
<RECOVERIES>                                       172
<ALLOWANCE-CLOSE>                                4,394
<ALLOWANCE-DOMESTIC>                             4,394
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          4,394