<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