<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> SEP-30-1996 <CASH> 6,881 <INT-BEARING-DEPOSITS> 4,158 <FED-FUNDS-SOLD> 10,630 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 549 <INVESTMENTS-CARRYING> 1,723 <INVESTMENTS-MARKET> 1,727 <LOANS> 79,596 <ALLOWANCE> 1,526 <TOTAL-ASSETS> 106,226 <DEPOSITS> 97,791 <SHORT-TERM> 0 <LIABILITIES-OTHER> 447 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 6,915 <OTHER-SE> 1,073 <TOTAL-LIABILITIES-AND-EQUITY> 106,226 <INTEREST-LOAN> 6,297 <INTEREST-INVEST> 81 <INTEREST-OTHER> 533 <INTEREST-TOTAL> 6,911 <INTEREST-DEPOSIT> 2,087 <INTEREST-EXPENSE> 2,087 <INTEREST-INCOME-NET> 4,824 <LOAN-LOSSES> 308 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,743 <INCOME-PRETAX> 1,385 <INCOME-PRE-EXTRAORDINARY> 1,385 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 824 <EPS-PRIMARY> 1.09 <EPS-DILUTED> 0.91 <YIELD-ACTUAL> 9.99 <LOANS-NON> 2,531 <LOANS-PAST> 296 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,325 <CHARGE-OFFS> 178 <RECOVERIES> 71 <ALLOWANCE-CLOSE> 1,526 <ALLOWANCE-DOMESTIC> 1,526 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 27