<ARTICLE> 9 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> SEP-30-1996 <CASH> 12,484 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 75,715 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 299,885 <ALLOWANCE> 3,131 <TOTAL-ASSETS> 399,775 <DEPOSITS> 340,854 <SHORT-TERM> 17,675 <LIABILITIES-OTHER> 4,347 <LONG-TERM> 4,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 2,826 <OTHER-SE> 30,073 <TOTAL-LIABILITIES-AND-EQUITY> 399,775 <INTEREST-LOAN> 18,234 <INTEREST-INVEST> 4,254 <INTEREST-OTHER> 111 <INTEREST-TOTAL> 22,599 <INTEREST-DEPOSIT> 9,516 <INTEREST-EXPENSE> 10,109 <INTEREST-INCOME-NET> 12,490 <LOAN-LOSSES> 415 <SECURITIES-GAINS> 1 <EXPENSE-OTHER> 9,444 <INCOME-PRETAX> 4,608 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,603 <EPS-PRIMARY> 1.07 <EPS-DILUTED> 1.07 <YIELD-ACTUAL> 4.90 <LOANS-NON> 624 <LOANS-PAST> 208 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,003 <CHARGE-OFFS> 334 <RECOVERIES> 47 <ALLOWANCE-CLOSE> 3,131 <ALLOWANCE-DOMESTIC> 3,131 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0