<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