<ARTICLE> 9 <PERIOD-TYPE> 3-MOS 9-MOS YEAR <FISCAL-YEAR-END> DEC-31-1996 DEC-31-1996 DEC-31-1996 <PERIOD-START> JUN-01-1996 JAN-01-1996 JAN-01-1996 <PERIOD-END> SEP-30-1996 SEP-30-1996 DEC-31-1996 <CASH> 5,103,000 5,103,000 4,748,000 <INT-BEARING-DEPOSITS> 0 0 0 <FED-FUNDS-SOLD> 4,100,000 4,100,000 1,100,000 <TRADING-ASSETS> 0 0 0 <INVESTMENTS-HELD-FOR-SALE> 30,867,000 30,867,000 35,124,000 <INVESTMENTS-CARRYING> 1,790,000 1,790,000 1,789,000 <INVESTMENTS-MARKET> 1,888,000 1,888,000 1,888,000 <LOANS> 55,895,000 55,895,000 53,879,000 <ALLOWANCE> 1,244,000 1,244,000 1,207,000 <TOTAL-ASSETS> 106,175,000 106,175,000 104,913,000 <DEPOSITS> 91,324,000 91,324,000 92,207,000 <SHORT-TERM> 0 0 0 <LIABILITIES-OTHER> 729,000 729,000 817,000 <LONG-TERM> 2,559,000 2,559,000 0 <PREFERRED-MANDATORY> 0 0 0 <PREFERRED> 0 0 0 <COMMON> 7,314,000 7,314,000 7,324,000 <OTHER-SE> 4,249,000 4,249,000 4,565,000 <TOTAL-LIABILITIES-AND-EQUITY> 106,175,000 106,175,000 104,913,000 <INTEREST-LOAN> 1,463,000 4,194,000 5,613,000 <INTEREST-INVEST> 530,000 1,601,000 2,233,000 <INTEREST-OTHER> 49,000 155,000 199,000 <INTEREST-TOTAL> 2,042,000 5,950,000 8,045,000 <INTEREST-DEPOSIT> 738,000 2,244,000 2,992,000 <INTEREST-EXPENSE> 807,000 2,451,000 262,000 <INTEREST-INCOME-NET> 1,235,000 3,499,000 4,791,000 <LOAN-LOSSES> 115,000 300,000 310,000 <SECURITIES-GAINS> 0 0 0 <EXPENSE-OTHER> 1,256,000 3,436,000 4,676,000 <INCOME-PRETAX> 180,000 578,000 894,000 <INCOME-PRE-EXTRAORDINARY> 180,000 578,000 894,000 <EXTRAORDINARY> 0 0 0 <CHANGES> 0 0 0 <NET-INCOME> 126,000 416,000 640,000 <EPS-PRIMARY> .10 .32 .49 <EPS-DILUTED> .09 .31 .48 <YIELD-ACTUAL> 5.35 5.06 5.15 <LOANS-NON> 1,211,000 1,211,000 898,000 <LOANS-PAST> 34,000 34,000 52,000 <LOANS-TROUBLED> 0 0 1,463,000 <LOANS-PROBLEM> 0 0 0 <ALLOWANCE-OPEN> 1,168,000 959,000 959,000 <CHARGE-OFFS> 108,000 218,000 334,000 <RECOVERIES> 69,000 203,000 272,000 <ALLOWANCE-CLOSE> 1,244,000 1,244,000 1,207,000 <ALLOWANCE-DOMESTIC> 1,244,000 1,244,000 1,207,000 <ALLOWANCE-FOREIGN> 0 0 0 <ALLOWANCE-UNALLOCATED> 637,000 637,000 671,000