<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> 25,151 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 15,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 101,916 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 197,882 <ALLOWANCE> 4,803 <TOTAL-ASSETS> 349,476 <DEPOSITS> 320,364 <SHORT-TERM> 0 <LIABILITIES-OTHER> 2,488 <LONG-TERM> 2,350 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 14,232 <OTHER-SE> 9,008 <TOTAL-LIABILITIES-AND-EQUITY> 349,476 <INTEREST-LOAN> 15,032 <INTEREST-INVEST> 3,558 <INTEREST-OTHER> 1,402 <INTEREST-TOTAL> 19,992 <INTEREST-DEPOSIT> 4,903 <INTEREST-EXPENSE> 5,102 <INTEREST-INCOME-NET> 14,890 <LOAN-LOSSES> 700 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 13,215 <INCOME-PRETAX> 3,935 <INCOME-PRE-EXTRAORDINARY> 3,935 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,575 <EPS-PRIMARY> 0.78 <EPS-DILUTED> 0.78 <YIELD-ACTUAL> 6.11 <LOANS-NON> 6,832 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 4,356 <ALLOWANCE-OPEN> 6,542 <CHARGE-OFFS> 2,766 <RECOVERIES> 328 <ALLOWANCE-CLOSE> 4,803 <ALLOWANCE-DOMESTIC> 3,632 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,171