<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>                                          27,214
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 9,270
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     73,243
<INVESTMENTS-CARRYING>                          25,684
<INVESTMENTS-MARKET>                              (281)
<LOANS>                                        409,802
<ALLOWANCE>                                      6,689
<TOTAL-ASSETS>                                 576,643
<DEPOSITS>                                     478,407
<SHORT-TERM>                                    40,544
<LIABILITIES-OTHER>                              5,151
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         5,249
<OTHER-SE>                                      47,292
<TOTAL-LIABILITIES-AND-EQUITY>                 576,643
<INTEREST-LOAN>                                 26,975
<INTEREST-INVEST>                                3,906
<INTEREST-OTHER>                                   801
<INTEREST-TOTAL>                                31,682
<INTEREST-DEPOSIT>                              13,083
<INTEREST-EXPENSE>                              13,780
<INTEREST-INCOME-NET>                           17,902
<LOAN-LOSSES>                                      985
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 13,913
<INCOME-PRETAX>                                  7,236
<INCOME-PRE-EXTRAORDINARY>                       7,236
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,807
<EPS-PRIMARY>                                     1.01
<EPS-DILUTED>                                     1.01
<YIELD-ACTUAL>                                    5.43
<LOANS-NON>                                      5,005
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  5,005
<ALLOWANCE-OPEN>                                 5,184
<CHARGE-OFFS>                                    1,055
<RECOVERIES>                                       364
<ALLOWANCE-CLOSE>                                6,689<F1>
<ALLOWANCE-DOMESTIC>                             6,689<F1>
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          6,689<F1>
<FN>
<F1> Includes $1,211 reserve increase due to acquisition
</FN>