<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JUL-01-1996 <PERIOD-END> SEP-30-1996 <CASH> 20,273 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 4,600 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 2,023 <INVESTMENTS-CARRYING> 57,845 <INVESTMENTS-MARKET> 57,436 <LOANS> 224,333 <ALLOWANCE> 3,451 <TOTAL-ASSETS> 319,555 <DEPOSITS> 294,902 <SHORT-TERM> 0 <LIABILITIES-OTHER> 865 <LONG-TERM> 3,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 18,436 <OTHER-SE> 2,352 <TOTAL-LIABILITIES-AND-EQUITY> 319,555 <INTEREST-LOAN> 5,414 <INTEREST-INVEST> 940 <INTEREST-OTHER> 97 <INTEREST-TOTAL> 6,451 <INTEREST-DEPOSIT> 2,132 <INTEREST-EXPENSE> 2,224 <INTEREST-INCOME-NET> 4,227 <LOAN-LOSSES> 399 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,744 <INCOME-PRETAX> 911 <INCOME-PRE-EXTRAORDINARY> 911 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 561 <EPS-PRIMARY> .27 <EPS-DILUTED> .27 <YIELD-ACTUAL> 6.21 <LOANS-NON> 2,457 <LOANS-PAST> 645 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 8,232 <ALLOWANCE-OPEN> 3,043 <CHARGE-OFFS> 74 <RECOVERIES> 83 <ALLOWANCE-CLOSE> 3,451 <ALLOWANCE-DOMESTIC> 3,451 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,387