<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> SEP-30-1997 <CASH> 11,713 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 7,745 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 71,477 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 354,903 <ALLOWANCE> 3,436 <TOTAL-ASSETS> 458,688 <DEPOSITS> 392,581 <SHORT-TERM> 4,000 <LIABILITIES-OTHER> 5,428 <LONG-TERM> 20,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4,266 <OTHER-SE> 32,413 <TOTAL-LIABILITIES-AND-EQUITY> 458,688 <INTEREST-LOAN> 21,813 <INTEREST-INVEST> 3,380 <INTEREST-OTHER> 342 <INTEREST-TOTAL> 25,535 <INTEREST-DEPOSIT> 11,924 <INTEREST-EXPENSE> 12,551 <INTEREST-INCOME-NET> 12,984 <LOAN-LOSSES> 630 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 9,557 <INCOME-PRETAX> 5,101 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,061 <EPS-PRIMARY> 0.80 <EPS-DILUTED> 0.80 <YIELD-ACTUAL> 4.59 <LOANS-NON> 2,676 <LOANS-PAST> 329 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,234 <CHARGE-OFFS> 513 <RECOVERIES> 85 <ALLOWANCE-CLOSE> 3,436 <ALLOWANCE-DOMESTIC> 3,436 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0