<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE MORE
DETAILED FINANCIAL STATEMENTS OF THE COMPANY AND SUBSIDIARY AND NOTES THERETO
INCLUDED ELSEWHERE IN THIS REPORT AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIALS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                          14,702
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 9,100
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     63,757
<INVESTMENTS-CARRYING>                          75,340
<INVESTMENTS-MARKET>                            74,877
<LOANS>                                        174,986
<ALLOWANCE>                                      2,359
<TOTAL-ASSETS>                                 348,518
<DEPOSITS>                                     275,529
<SHORT-TERM>                                    36,307
<LIABILITIES-OTHER>                              2,031
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         4,791
<OTHER-SE>                                      29,860
<TOTAL-LIABILITIES-AND-EQUITY>                 348,518
<INTEREST-LOAN>                                 11,629
<INTEREST-INVEST>                                6,216
<INTEREST-OTHER>                                   348
<INTEREST-TOTAL>                                18,193
<INTEREST-DEPOSIT>                               6,392
<INTEREST-EXPENSE>                               7,940
<INTEREST-INCOME-NET>                           10,253
<LOAN-LOSSES>                                      230
<SECURITIES-GAINS>                                  38
<EXPENSE-OTHER>                                  7,544
<INCOME-PRETAX>                                  4,663
<INCOME-PRE-EXTRAORDINARY>                       3,104
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,104
<EPS-PRIMARY>                                     6.50
<EPS-DILUTED>                                     6.50
<YIELD-ACTUAL>                                    4.43
<LOANS-NON>                                        406
<LOANS-PAST>                                        47
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  2,420<F1>
<ALLOWANCE-OPEN>                                 2,242
<CHARGE-OFFS>                                      260
<RECOVERIES>                                       147
<ALLOWANCE-CLOSE>                                2,359
<ALLOWANCE-DOMESTIC>                             2,359
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>INCLUDES NON-ACCRUAL LOANS OF 406 PLUS CONFERATION LIFE 2,014.
</FN>
        

</TABLE>