<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> 29,509 <INT-BEARING-DEPOSITS> 1,461 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 146,910 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 577,378 <ALLOWANCE> 4,240 <TOTAL-ASSETS> 784,333 <DEPOSITS> 680,201 <SHORT-TERM> 12,990 <LIABILITIES-OTHER> 11,120 <LONG-TERM> 3,173 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 21,008 <OTHER-SE> 55,841 <TOTAL-LIABILITIES-AND-EQUITY> 784,333 <INTEREST-LOAN> 32,929 <INTEREST-INVEST> 8,037 <INTEREST-OTHER> 156 <INTEREST-TOTAL> 41,122 <INTEREST-DEPOSIT> 16,726 <INTEREST-EXPENSE> 467 <INTEREST-INCOME-NET> 23,929 <LOAN-LOSSES> 1,418 <SECURITIES-GAINS> 491 <EXPENSE-OTHER> 21,628 <INCOME-PRETAX> 6,601 <INCOME-PRE-EXTRAORDINARY> 6,601 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,579 <EPS-PRIMARY> 1.63 <EPS-DILUTED> 1.63 <YIELD-ACTUAL> 4.81 <LOANS-NON> 928 <LOANS-PAST> 662 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1,312 <ALLOWANCE-OPEN> 3,934 <CHARGE-OFFS> 1,522 <RECOVERIES> 410 <ALLOWANCE-CLOSE> 4,240 <ALLOWANCE-DOMESTIC> 3,142 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,098