<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> SEP-30-1996 <CASH> 11,789 <INT-BEARING-DEPOSITS> 14 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 61,825 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 18,189 <LOANS> 210,862 <ALLOWANCE> 2,370 <TOTAL-ASSETS> 313,456 <DEPOSITS> 258,761 <SHORT-TERM> 14,291 <LIABILITIES-OTHER> 1,359 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 6,912 <OTHER-SE> 32,133 <TOTAL-LIABILITIES-AND-EQUITY> 313,456 <INTEREST-LOAN> 13,480 <INTEREST-INVEST> 3,543 <INTEREST-OTHER> 83 <INTEREST-TOTAL> 17,106 <INTEREST-DEPOSIT> 7,070 <INTEREST-EXPENSE> 161 <INTEREST-INCOME-NET> 9,875 <LOAN-LOSSES> 0 <SECURITIES-GAINS> (13) <EXPENSE-OTHER> 6,580 <INCOME-PRETAX> 4,472 <INCOME-PRE-EXTRAORDINARY> 4,472 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,259 <EPS-PRIMARY> 0 <EPS-DILUTED> 1.89 <YIELD-ACTUAL> 8.28 <LOANS-NON> 230 <LOANS-PAST> 1,895 <LOANS-TROUBLED> 667 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,145 <CHARGE-OFFS> 218 <RECOVERIES> 68 <ALLOWANCE-CLOSE> 2,370 <ALLOWANCE-DOMESTIC> 2,370 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0