<TABLE> <S> <C>


<ARTICLE>                     9
<MULTIPLIER>                  1000
<CURRENCY>                    dollar
       
<S>                             <C>
<PERIOD-TYPE>                   9-Mos
<FISCAL-YEAR-END>                             DEC-31-1996
<PERIOD-END>                                  SEP-30-1996
<EXCHANGE-RATE>                                                     1
<CASH>                                                          1,848
<INT-BEARING-DEPOSITS>                                          3,592
<FED-FUNDS-SOLD>                                                    0
<TRADING-ASSETS>                                                    0
<INVESTMENTS-HELD-FOR-SALE>                                    11,661
<INVESTMENTS-CARRYING>                                         23,722
<INVESTMENTS-MARKET>                                           23,517
<LOANS>                                                        59,029
<ALLOWANCE>                                                       586
<TOTAL-ASSETS>                                                103,166
<DEPOSITS>                                                     88,954
<SHORT-TERM>                                                    2,775
<LIABILITIES-OTHER>                                               454
<LONG-TERM>                                                       425
<PREFERRED-MANDATORY>                                               0
<PREFERRED>                                                         0
<COMMON>                                                        3,414
<OTHER-SE>                                                      7,144
<TOTAL-LIABILITIES-AND-EQUITY>                                103,166
<INTEREST-LOAN>                                                 3,967
<INTEREST-INVEST>                                               1,584
<INTEREST-OTHER>                                                   96
<INTEREST-TOTAL>                                                5,647
<INTEREST-DEPOSIT>                                              2,379
<INTEREST-EXPENSE>                                              2,411
<INTEREST-INCOME-NET>                                           3,236
<LOAN-LOSSES>                                                      65
<SECURITIES-GAINS>                                                  0
<EXPENSE-OTHER>                                                 1,875
<INCOME-PRETAX>                                                 1,660
<INCOME-PRE-EXTRAORDINARY>                                      1,660
<EXTRAORDINARY>                                                     0
<CHANGES>                                                           0
<NET-INCOME>                                                    1,154
<EPS-PRIMARY>                                                    3.28
<EPS-DILUTED>                                                    3.28
<YIELD-ACTUAL>                                                   4.86
<LOANS-NON>                                                       242
<LOANS-PAST>                                                        0
<LOANS-TROUBLED>                                                    0
<LOANS-PROBLEM>                                                     0
<ALLOWANCE-OPEN>                                                  532
<CHARGE-OFFS>                                                      17
<RECOVERIES>                                                        6
<ALLOWANCE-CLOSE>                                                 586
<ALLOWANCE-DOMESTIC>                                              586
<ALLOWANCE-FOREIGN>                                                 0
<ALLOWANCE-UNALLOCATED>                                             0
                                                                     


</TABLE>