<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