<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