<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> 11,888 <INT-BEARING-DEPOSITS> 2,378 <FED-FUNDS-SOLD> 17,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 7,488 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 97,131 <ALLOWANCE> 2,065 <TOTAL-ASSETS> 185,501 <DEPOSITS> 167,886 <SHORT-TERM> 353 <LIABILITIES-OTHER> 2,582 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 16,001 <OTHER-SE> 1,614 <TOTAL-LIABILITIES-AND-EQUITY> 185,501 <INTEREST-LOAN> 9,623 <INTEREST-INVEST> 331 <INTEREST-OTHER> 345 <INTEREST-TOTAL> 10,299 <INTEREST-DEPOSIT> 2,886 <INTEREST-EXPENSE> 2,920 <INTEREST-INCOME-NET> 7,379 <LOAN-LOSSES> 750 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 13,141 <INCOME-PRETAX> 3,028 <INCOME-PRE-EXTRAORDINARY> 3,028 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,553 <EPS-PRIMARY> 1.11 <EPS-DILUTED> 1.11 <YIELD-ACTUAL> .061 <LOANS-NON> 4,686 <LOANS-PAST> 399 <LOANS-TROUBLED> 1,749 <LOANS-PROBLEM> 8,750 <ALLOWANCE-OPEN> 2,658 <CHARGE-OFFS> 1,567 <RECOVERIES> 223 <ALLOWANCE-CLOSE> 2,065 <ALLOWANCE-DOMESTIC> 2,065 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0