<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND CONSOLIDATED STATEMENT OF INCOME FILED AS PART OF
THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRELY BY REFERENCE
TO SUCH QUARTERLY REPORT ON FORM 10-Q.
</LEGEND>
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                           13866
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      21579
<INVESTMENTS-CARRYING>                           25511
<INVESTMENTS-MARKET>                             25719
<LOANS>                                         143527
<ALLOWANCE>                                       1862
<TOTAL-ASSETS>                                  215189
<DEPOSITS>                                      184957
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              10088
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                          2168
<OTHER-SE>                                       17976
<TOTAL-LIABILITIES-AND-EQUITY>                  215189
<INTEREST-LOAN>                                  10046
<INTEREST-INVEST>                                 2480
<INTEREST-OTHER>                                    52
<INTEREST-TOTAL>                                 12578
<INTEREST-DEPOSIT>                                4765
<INTEREST-EXPENSE>                                4867
<INTEREST-INCOME-NET>                             7711
<LOAN-LOSSES>                                      267
<SECURITIES-GAINS>                                  10
<EXPENSE-OTHER>                                   5554
<INCOME-PRETAX>                                   2986
<INCOME-PRE-EXTRAORDINARY>                        2986
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      2269
<EPS-PRIMARY>                                     2.41
<EPS-DILUTED>                                     2.41
<YIELD-ACTUAL>                                    5.40
<LOANS-NON>                                        479
<LOANS-PAST>                                       227
<LOANS-TROUBLED>                                   250
<LOANS-PROBLEM>                                   1178
<ALLOWANCE-OPEN>                                  1609
<CHARGE-OFFS>                                      102
<RECOVERIES>                                        88
<ALLOWANCE-CLOSE>                                 1862
<ALLOWANCE-DOMESTIC>                               557
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                           1305