<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM SEPTEMBER
30, 1996 10-Q REPORT AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINACIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                                                  
<PERIOD-TYPE>                   9-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1995
<PERIOD-START>                             JAN-01-1996             JAN-01-1995
<PERIOD-END>                               SEP-30-1996             SEP-30-1995
<CASH>                                          11,567                   9,730
<INT-BEARING-DEPOSITS>                             400                   6,200
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     42,395                  30,220
<INVESTMENTS-CARRYING>                          53,217                  55,632
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                        345,975                 324,842
<ALLOWANCE>                                    (3,165)                 (3,401)
<TOTAL-ASSETS>                                 473,684                 438,902
<DEPOSITS>                                     411,125                 369,509
<SHORT-TERM>                                    26,097                  33,268
<LIABILITIES-OTHER>                              3,077                   5,305
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                         50                      50
<COMMON>                                         2,361                   2,334
<OTHER-SE>                                      30,974                  28,436
<TOTAL-LIABILITIES-AND-EQUITY>                 473,684                 438,902
<INTEREST-LOAN>                                 22,087                  20,956
<INTEREST-INVEST>                                4,445                   4,023
<INTEREST-OTHER>                                   108                     130
<INTEREST-TOTAL>                                26,640                  25,109
<INTEREST-DEPOSIT>                              11,006                  10,179
<INTEREST-EXPENSE>                              12,252                  11,584
<INTEREST-INCOME-NET>                           14,388                  13,525
<LOAN-LOSSES>                                      969                     670
<SECURITIES-GAINS>                             (1,038)                    (18)
<EXPENSE-OTHER>                                 10,385                   9,411
<INCOME-PRETAX>                                  4,003                   5,275
<INCOME-PRE-EXTRAORDINARY>                           0                       0
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     2,433                   3,179
<EPS-PRIMARY>                                      .90                    1.23
<EPS-DILUTED>                                      .90                    1.23
<YIELD-ACTUAL>                                       0                       0
<LOANS-NON>                                          0                       0
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                     0                       0
<CHARGE-OFFS>                                        0                       0
<RECOVERIES>                                         0                       0
<ALLOWANCE-CLOSE>                                    0                       0
<ALLOWANCE-DOMESTIC>                                 0                       0
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0