<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               SEP-30-1996
<CASH>                                           9,673
<INT-BEARING-DEPOSITS>                             396
<FED-FUNDS-SOLD>                                 2,350
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     45,909
<INVESTMENTS-CARRYING>                           8,579
<INVESTMENTS-MARKET>                             8,706
<LOANS>                                        168,476
<ALLOWANCE>                                      2,283
<TOTAL-ASSETS>                                 248,878
<DEPOSITS>                                     217,994
<SHORT-TERM>                                     3,871
<LIABILITIES-OTHER>                              3,118
<LONG-TERM>                                      2,582
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            90
<OTHER-SE>                                      21,223
<TOTAL-LIABILITIES-AND-EQUITY>                 248,878
<INTEREST-LOAN>                                 10,654
<INTEREST-INVEST>                                2,553
<INTEREST-OTHER>                                   172
<INTEREST-TOTAL>                                13,379
<INTEREST-DEPOSIT>                               5,579
<INTEREST-EXPENSE>                               5,944
<INTEREST-INCOME-NET>                            7,435
<LOAN-LOSSES>                                      600
<SECURITIES-GAINS>                                (43)
<EXPENSE-OTHER>                                  5,821
<INCOME-PRETAX>                                  1,863
<INCOME-PRE-EXTRAORDINARY>                       1,863
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,463
<EPS-PRIMARY>                                     1.70
<EPS-DILUTED>                                     1.70
<YIELD-ACTUAL>                                    4.79
<LOANS-NON>                                      4,640
<LOANS-PAST>                                       225
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,125
<CHARGE-OFFS>                                      548
<RECOVERIES>                                       106
<ALLOWANCE-CLOSE>                                2,283
<ALLOWANCE-DOMESTIC>                             2,047
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            236