<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule contains summary financial  information extracted from the Balance
Sheet at September 30, 1996  (Unaudited)  and the Income  Statement for the Nine
Months Ended September 30, 1996  (Unaudited) and is qualified in its entirety by
reference to such financial statements.

</LEGEND>
<MULTIPLIER>                            1,000
       
<S>                                     <C>
<PERIOD-TYPE>                           9-MOS
<FISCAL-YEAR-END>                                             DEC-31-1996
<PERIOD-END>                                                  SEP-30-1996
<CASH>                                                              4,662
<INT-BEARING-DEPOSITS>                                                546
<FED-FUNDS-SOLD>                                                    4,005
<TRADING-ASSETS>                                                        0
<INVESTMENTS-HELD-FOR-SALE>                                        11,316
<INVESTMENTS-CARRYING>                                             11,316
<INVESTMENTS-MARKET>                                               11,316
<LOANS>                                                            62,008
<ALLOWANCE>                                                         (800)
<TOTAL-ASSETS>                                                    103,642
<DEPOSITS>                                                         87,393
<SHORT-TERM>                                                        2,815
<LIABILITIES-OTHER>                                                   507
<LONG-TERM>                                                         1,130
<PREFERRED-MANDATORY>                                                   0
<PREFERRED>                                                             0
<COMMON>                                                            9,073
<OTHER-SE>                                                          2,724
<TOTAL-LIABILITIES-AND-EQUITY>                                    103,642
<INTEREST-LOAN>                                                     3,674
<INTEREST-INVEST>                                                   1,194
<INTEREST-OTHER>                                                      120
<INTEREST-TOTAL>                                                    5,213
<INTEREST-DEPOSIT>                                                  2,260
<INTEREST-EXPENSE>                                                  2,382
<INTEREST-INCOME-NET>                                               2,831
<LOAN-LOSSES>                                                         140
<SECURITIES-GAINS>                                                      0
<EXPENSE-OTHER>                                                     2,178
<INCOME-PRETAX>                                                       868
<INCOME-PRE-EXTRAORDINARY>                                            868
<EXTRAORDINARY>                                                         0
<CHANGES>                                                               0
<NET-INCOME>                                                          504
<EPS-PRIMARY>                                                        0.42
<EPS-DILUTED>                                                        0.42
<YIELD-ACTUAL>                                                       4.36
<LOANS-NON>                                                           293
<LOANS-PAST>                                                           30
<LOANS-TROUBLED>                                                        0
<LOANS-PROBLEM>                                                       323
<ALLOWANCE-OPEN>                                                      707
<CHARGE-OFFS>                                                          67
<RECOVERIES>                                                           20
<ALLOWANCE-CLOSE>                                                     800
<ALLOWANCE-DOMESTIC>                                                  800
<ALLOWANCE-FOREIGN>                                                     0
<ALLOWANCE-UNALLOCATED>                                                 0
        

</TABLE>