<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 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-START>                             JUL-01-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                          12,469
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                19,400
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     26,751
<INVESTMENTS-CARRYING>                          45,611
<INVESTMENTS-MARKET>                            45,901
<LOANS>                                        167,725
<ALLOWANCE>                                      5,133
<TOTAL-ASSETS>                                 274,871
<DEPOSITS>                                     240,254
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              2,035
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        31,423
<OTHER-SE>                                       1,159
<TOTAL-LIABILITIES-AND-EQUITY>                 274,871
<INTEREST-LOAN>                                 12,394
<INTEREST-INVEST>                                3,191
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                15,585
<INTEREST-DEPOSIT>                               3,634
<INTEREST-EXPENSE>                               3,685
<INTEREST-INCOME-NET>                           11,900
<LOAN-LOSSES>                                      525
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  8,115
<INCOME-PRETAX>                                  3,785
<INCOME-PRE-EXTRAORDINARY>                       3,785
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,960
<EPS-PRIMARY>                                      .64
<EPS-DILUTED>                                      .64
<YIELD-ACTUAL>                                    7.00
<LOANS-NON>                                      3,200
<LOANS-PAST>                                       151
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,960
<CHARGE-OFFS>                                      666
<RECOVERIES>                                       314
<ALLOWANCE-CLOSE>                                5,133
<ALLOWANCE-DOMESTIC>                             5,133
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0