<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
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<PERIOD-END>                               SEP-30-1996
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<ALLOWANCE>                                      1,182
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<DEPOSITS>                                     123,167
<SHORT-TERM>                                     4,452
<LIABILITIES-OTHER>                                642
<LONG-TERM>                                          0
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<OTHER-SE>                                       8,414
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<LOAN-LOSSES>                                       46
<SECURITIES-GAINS>                                 (1)
<EXPENSE-OTHER>                                  3,083
<INCOME-PRETAX>                                  1,820
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