<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM SEPTEMBER 30, 1996 FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <MULTIPLIER> 1,000 <CURRENCY> U.S. DOLLARS <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JUL-01-1996 <PERIOD-END> SEP-30-1996 <EXCHANGE-RATE> 1 <CASH> 6,481 <INT-BEARING-DEPOSITS> 11,151 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 97,890 <INVESTMENTS-CARRYING> 6,703 <INVESTMENTS-MARKET> 6,943 <LOANS> 223,035 <ALLOWANCE> 4,533 <TOTAL-ASSETS> 353,935 <DEPOSITS> 313,733 <SHORT-TERM> 3,736 <LIABILITIES-OTHER> 3,355 <LONG-TERM> 671 <COMMON> 367 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 32,064 <TOTAL-LIABILITIES-AND-EQUITY> 353,935 <INTEREST-LOAN> 5,125 <INTEREST-INVEST> 1,789 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 6,914 <INTEREST-DEPOSIT> 2,767 <INTEREST-EXPENSE> 2,836 <INTEREST-INCOME-NET> 4,078 <LOAN-LOSSES> (141) <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,382 <INCOME-PRETAX> 2,400 <INCOME-PRE-EXTRAORDINARY> 2,400 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,579 <EPS-PRIMARY> 0.40 <EPS-DILUTED> 0.40 <YIELD-ACTUAL> 4.86 <LOANS-NON> 3,235 <LOANS-PAST> 0 <LOANS-TROUBLED> 707 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,533 <CHARGE-OFFS> 335 <RECOVERIES> 317 <ALLOWANCE-CLOSE> 4,533 <ALLOWANCE-DOMESTIC> 4,533 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0