<ARTICLE> 9 <MULTIPLIER> 1 <CURRENCY> U.S. DOLLARS <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> SEP-30-1996 <EXCHANGE-RATE> 1 <CASH> 15,173,000 <INT-BEARING-DEPOSITS> 99,000 <FED-FUNDS-SOLD> 14,900,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 39,523,000 <INVESTMENTS-CARRYING> 7,349,000 <INVESTMENTS-MARKET> 7,178,000 <LOANS> 198,734,000 <ALLOWANCE> 2,923,000 <TOTAL-ASSETS> 291,467,000 <DEPOSITS> 265,496,000 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,767,000 <LONG-TERM> 4,575,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 3,000 <OTHER-SE> 19,626,000 <TOTAL-LIABILITIES-AND-EQUITY> 19,629,000 <INTEREST-LOAN> 4,935,000 <INTEREST-INVEST> 737,000 <INTEREST-OTHER> 202,000 <INTEREST-TOTAL> 5,874,000 <INTEREST-DEPOSIT> 1,657,000 <INTEREST-EXPENSE> 1,778,000 <INTEREST-INCOME-NET> 4,096,000 <LOAN-LOSSES> 150,000 <SECURITIES-GAINS> (9,000) <EXPENSE-OTHER> 3,670,000 <INCOME-PRETAX> 964,000 <INCOME-PRE-EXTRAORDINARY> 964,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 969,000 <EPS-PRIMARY> .36 <EPS-DILUTED> .32 <YIELD-ACTUAL> 6.51 <LOANS-NON> 2,297,000 <LOANS-PAST> 45,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,013,000 <CHARGE-OFFS> 781,000 <RECOVERIES> 351,000 <ALLOWANCE-CLOSE> 2,923,000 <ALLOWANCE-DOMESTIC> 2,923,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0