<TABLE> <S> <C>

<ARTICLE> 9
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1996
<PERIOD-END>                               SEP-30-1996             SEP-30-1996
<CASH>                                          16,392                  16,392
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                 6,500                   6,500
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     14,596                  14,596
<INVESTMENTS-CARRYING>                          32,544                  32,544
<INVESTMENTS-MARKET>                            32,144                  32,144
<LOANS>                                        286,261                 286,261
<ALLOWANCE>                                      4,888                   4,888
<TOTAL-ASSETS>                                 373,331                 373,331
<DEPOSITS>                                     325,029                 325,029
<SHORT-TERM>                                     3,691                   3,691
<LIABILITIES-OTHER>                             13,484                  13,484
<LONG-TERM>                                        607                     607
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                         5,451                   5,451
<OTHER-SE>                                      25,069                  25,069
<TOTAL-LIABILITIES-AND-EQUITY>                 373,331                 373,331
<INTEREST-LOAN>                                  6,446                  18,427
<INTEREST-INVEST>                                  782                   2,110
<INTEREST-OTHER>                                   256                     563
<INTEREST-TOTAL>                                 7,484                  21,110
<INTEREST-DEPOSIT>                               3,017                   8,502
<INTEREST-EXPENSE>                               3,208                   9,088
<INTEREST-INCOME-NET>                            4,276                  12,012
<LOAN-LOSSES>                                      180                     540
<SECURITIES-GAINS>                                   0                      35
<EXPENSE-OTHER>                                  3,328                   9,783
<INCOME-PRETAX>                                  2,175                   5,743
<INCOME-PRE-EXTRAORDINARY>                       2,175                   5,743
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     1,460                   3,868
<EPS-PRIMARY>                                      .44                    1.15
<EPS-DILUTED>                                      .43                    1.15
<YIELD-ACTUAL>                                    8.80                    8.86
<LOANS-NON>                                        856                     856
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                  3,650                   3,650
<ALLOWANCE-OPEN>                                 4,838                   4,507
<CHARGE-OFFS>                                      151                     205
<RECOVERIES>                                        21                      46
<ALLOWANCE-CLOSE>                                4,888                   4,888
<ALLOWANCE-DOMESTIC>                             4,888                   4,888
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                          1,100                   1,100
        

</TABLE>