<ARTICLE> 9 <LEGEND> THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY REPORT ON FORM 10-Q FOR THE PERIOD ENDED SEPTEMBER 30, 1996 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> SEP-30-1996 <CASH> 3,755 <INT-BEARING-DEPOSITS> 1,251 <FED-FUNDS-SOLD> 1,680 <TRADING-ASSETS> 1,549 <INVESTMENTS-HELD-FOR-SALE> 7,413 <INVESTMENTS-CARRYING> 685 <INVESTMENTS-MARKET> 672 <LOANS> 42,053 <ALLOWANCE> (897) <TOTAL-ASSETS> 61,963 <DEPOSITS> 43,328 <SHORT-TERM> 8,441 <LIABILITIES-OTHER> 2,594 <LONG-TERM> 2,846 <PREFERRED-MANDATORY> 0 <PREFERRED> 508 <COMMON> 229 <OTHER-SE> 4,017 <TOTAL-LIABILITIES-AND-EQUITY> 61,963 <INTEREST-LOAN> 2,860 <INTEREST-INVEST> 423 <INTEREST-OTHER> 359 <INTEREST-TOTAL> 3,642 <INTEREST-DEPOSIT> 1,262 <INTEREST-EXPENSE> 1,914 <INTEREST-INCOME-NET> 1,728 <LOAN-LOSSES> 171 <SECURITIES-GAINS> 24 <EXPENSE-OTHER> 459 <INCOME-PRETAX> 790 <INCOME-PRE-EXTRAORDINARY> 449 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 449 <EPS-PRIMARY> 2.74 <EPS-DILUTED> 2.69 <YIELD-ACTUAL> 4.40 <LOANS-NON> 444 <LOANS-PAST> 40 <LOANS-TROUBLED> 11 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 890 <CHARGE-OFFS> (212) <RECOVERIES> 57 <ALLOWANCE-CLOSE> 897 <ALLOWANCE-DOMESTIC> 541 <ALLOWANCE-FOREIGN> 202 <ALLOWANCE-UNALLOCATED> 154