<ARTICLE> 9 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> SEP-30-1996 <CASH> 4,051,000 <INT-BEARING-DEPOSITS> 3,862,000 <FED-FUNDS-SOLD> 19,610,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 30,190,000 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 87,897,000 <ALLOWANCE> 2,414,000 <TOTAL-ASSETS> 147,059,000 <DEPOSITS> 131,640,000 <SHORT-TERM> 20,000 <LIABILITIES-OTHER> 1,733,000 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 11,332,000 <OTHER-SE> 2,334,000 <TOTAL-LIABILITIES-AND-EQUITY> 147,059,000 <INTEREST-LOAN> 6,538,000 <INTEREST-INVEST> 1,092,000 <INTEREST-OTHER> 967,000 <INTEREST-TOTAL> 8,597,000 <INTEREST-DEPOSIT> 2,161,000 <INTEREST-EXPENSE> 2,166,000 <INTEREST-INCOME-NET> 6,431,000 <LOAN-LOSSES> 250,000 <SECURITIES-GAINS> (65,000) <EXPENSE-OTHER> 4,407,000 <INCOME-PRETAX> 2,036,000 <INCOME-PRE-EXTRAORDINARY> 1,392,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,392,000 <EPS-PRIMARY> 0.58 <EPS-DILUTED> 0.56 <YIELD-ACTUAL> 0.082 <LOANS-NON> 261,000 <LOANS-PAST> 7,363,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,000,000 <CHARGE-OFFS> 231,000 <RECOVERIES> 396,000 <ALLOWANCE-CLOSE> 2,414,000 <ALLOWANCE-DOMESTIC> 2,414,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0