<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