<ARTICLE>                                            9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED CONDENSED BALANCE SHEET AT SEPTEMBER 30, 1996 (UNAUDITED), CONSOLIDATED
CONDENSED STATEMENT OF INCOME FOR THE NINE MONTHS ENDED SEPTEMBER 30, 1996 (UNAUDITED)
AND THE NOTES TO THE CONSOLIDATED CONDENSED FINANCIAL STATEMENTS 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>                                             16,242
<INT-BEARING-DEPOSITS>                                  0
<FED-FUNDS-SOLD>                                    5,525
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                        30,027
<INVESTMENTS-CARRYING>                             23,655
<INVESTMENTS-MARKET>                               23,308
<LOANS>                                           243,645
<ALLOWANCE>                                         2,492
<TOTAL-ASSETS>                                    325,454
<DEPOSITS>                                        257,949
<SHORT-TERM>                                       30,000
<LIABILITIES-OTHER>                                 1,163
<LONG-TERM>                                        14,425
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0
<COMMON>                                            9,220
<OTHER-SE>                                         12,697
<TOTAL-LIABILITIES-AND-EQUITY>                    325,454
<INTEREST-LOAN>                                    13,977
<INTEREST-INVEST>                                   3,187
<INTEREST-OTHER>                                       39
<INTEREST-TOTAL>                                   17,203
<INTEREST-DEPOSIT>                                  6,118
<INTEREST-EXPENSE>                                  7,464
<INTEREST-INCOME-NET>                               9,739
<LOAN-LOSSES>                                       1,161
<SECURITIES-GAINS>                                    305
<EXPENSE-OTHER>                                     7,348
<INCOME-PRETAX>                                     2,393
<INCOME-PRE-EXTRAORDINARY>                          1,588
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                        1,588
<EPS-PRIMARY>                                        0.80
<EPS-DILUTED>                                        0.79
<YIELD-ACTUAL>                                       0.09
<LOANS-NON>                                         3,058
<LOANS-PAST>                                          435
<LOANS-TROUBLED>                                        0
<LOANS-PROBLEM>                                         0
<ALLOWANCE-OPEN>                                    1,754
<CHARGE-OFFS>                                         429
<RECOVERIES>                                            6
<ALLOWANCE-CLOSE>                                   2,492
<ALLOWANCE-DOMESTIC>                                2,420
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                                72