<ARTICLE> 9
<LEGEND>
This schedule contains summary information extracted from the Form 10-Q and is
qualified in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                           2,253
<INT-BEARING-DEPOSITS>                           5,355
<FED-FUNDS-SOLD>                                24,100
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                          14,962
<INVESTMENTS-MARKET>                            15,241
<LOANS>                                        518,537
<ALLOWANCE>                                        665
<TOTAL-ASSETS>                                 576,981
<DEPOSITS>                                     454,957
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                             15,662
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            86
<OTHER-SE>                                     106,276
<TOTAL-LIABILITIES-AND-EQUITY>                 576,981
<INTEREST-LOAN>                                 27,119
<INTEREST-INVEST>                                2,960
<INTEREST-OTHER>                                   176
<INTEREST-TOTAL>                                30,255
<INTEREST-DEPOSIT>                              15,736
<INTEREST-EXPENSE>                              15,736
<INTEREST-INCOME-NET>                           14,519
<LOAN-LOSSES>                                       90
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  6,734
<INCOME-PRETAX>                                  8,760
<INCOME-PRE-EXTRAORDINARY>                       8,760
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,504
<EPS-PRIMARY>                                      .73
<EPS-DILUTED>                                      .73
<YIELD-ACTUAL>                                       0<F1>
<LOANS-NON>                                        582
<LOANS-PAST>                                         0<F1>
<LOANS-TROUBLED>                                     0<F1>
<LOANS-PROBLEM>                                      0<F1>
<ALLOWANCE-OPEN>                                   635
<CHARGE-OFFS>                                        0<F1>
<RECOVERIES>                                         0<F1>
<ALLOWANCE-CLOSE>                                  665
<ALLOWANCE-DOMESTIC>                               665
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0<F1>
<FN>
<F1>THIS INFORMATION IS NOT DISCLOSED IN THE FORM 10-Q.
</FN>