<ARTICLE> 9 <LEGEND> This schedule contains summary financial information extracted from the Balance Sheet, and Statement of Income, and is qualified in its entirety by reference to such financial statements. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> SEP-30-1996 <CASH> 11,948 <INT-BEARING-DEPOSITS> 100 <FED-FUNDS-SOLD> 9,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 2,585 <INVESTMENTS-CARRYING> 11,886 <INVESTMENTS-MARKET> 11,967 <LOANS> 65,161 <ALLOWANCE> 1,447 <TOTAL-ASSETS> 104,206 <DEPOSITS> 93,908 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,316 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4,125 <OTHER-SE> 4,857 <TOTAL-LIABILITIES-AND-EQUITY> 104,206 <INTEREST-LOAN> 5,429 <INTEREST-INVEST> 611 <INTEREST-OTHER> 233 <INTEREST-TOTAL> 6,273 <INTEREST-DEPOSIT> 1,864 <INTEREST-EXPENSE> 1,880 <INTEREST-INCOME-NET> 4,393 <LOAN-LOSSES> 385 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 4,312 <INCOME-PRETAX> 1,823 <INCOME-PRE-EXTRAORDINARY> 1,823 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,062 <EPS-PRIMARY> $1.13 <EPS-DILUTED> $1.13 <YIELD-ACTUAL> 6.86 <LOANS-NON> 1,005 <LOANS-PAST> 8 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,447 <CHARGE-OFFS> 467 <RECOVERIES> 13 <ALLOWANCE-CLOSE> 1,447 <ALLOWANCE-DOMESTIC> 1,447 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0