<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> 0 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 0 <ALLOWANCE> 0 <TOTAL-ASSETS> 0 <DEPOSITS> 0 <SHORT-TERM> 0 <LIABILITIES-OTHER> 0 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 0 <INTEREST-LOAN> 2,274 <INTEREST-INVEST> 1,048 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 3,322 <INTEREST-DEPOSIT> 1,459 <INTEREST-EXPENSE> 1,459 <INTEREST-INCOME-NET> 1,863 <LOAN-LOSSES> 25 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,127 <INCOME-PRETAX> 984 <INCOME-PRE-EXTRAORDINARY> 984 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 686 <EPS-PRIMARY> 0.74 <EPS-DILUTED> 0.74 <YIELD-ACTUAL> 7.75 <LOANS-NON> 24 <LOANS-PAST> 231 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 255 <ALLOWANCE-OPEN> 0 <CHARGE-OFFS> 53 <RECOVERIES> 11 <ALLOWANCE-CLOSE> 75 <ALLOWANCE-DOMESTIC> 1,339 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,178