<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> SEP-30-1996 <CASH> 958 <INT-BEARING-DEPOSITS> 5,045 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 8,680 <INVESTMENTS-CARRYING> 5,349 <INVESTMENTS-MARKET> 0 <LOANS> 180,345 <ALLOWANCE> 600 <TOTAL-ASSETS> 201,316 <DEPOSITS> 147,078 <SHORT-TERM> 23,500 <LIABILITIES-OTHER> 2,970 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 219 <OTHER-SE> 27,549 <TOTAL-LIABILITIES-AND-EQUITY> 201,316 <INTEREST-LOAN> 10,062 <INTEREST-INVEST> 814 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 10,876 <INTEREST-DEPOSIT> 5,332 <INTEREST-EXPENSE> 6,061 <INTEREST-INCOME-NET> 4,815 <LOAN-LOSSES> 135 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 4,226 <INCOME-PRETAX> 1,244 <INCOME-PRE-EXTRAORDINARY> 1,244 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 719 <EPS-PRIMARY> 0.36 <EPS-DILUTED> 0.36 <YIELD-ACTUAL> 2.648 <LOANS-NON> 540 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 512 <CHARGE-OFFS> 55 <RECOVERIES> 7 <ALLOWANCE-CLOSE> 600 <ALLOWANCE-DOMESTIC> 600 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0