<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED STATEMENTS AND CONSOLIDATED BALANCE SHEETS FOUND ON PAGES 3
AND 4 OF THE COMPANY'S FORM 10-Q FOR THE YEAR-TO-DATE 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-START>                             JAN-01-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                           8,918
<INT-BEARING-DEPOSITS>                               8
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    106,336
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        226,556
<ALLOWANCE>                                      4,048
<TOTAL-ASSETS>                                 347,753
<DEPOSITS>                                     314,764
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              2,894
<LONG-TERM>                                         46
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           726
<OTHER-SE>                                      29,323
<TOTAL-LIABILITIES-AND-EQUITY>                 347,753
<INTEREST-LOAN>                                 14,035
<INTEREST-INVEST>                                4,599
<INTEREST-OTHER>                                   257
<INTEREST-TOTAL>                                18,891
<INTEREST-DEPOSIT>                              10,048
<INTEREST-EXPENSE>                              10,141
<INTEREST-INCOME-NET>                            8,750
<LOAN-LOSSES>                                      225
<SECURITIES-GAINS>                                (58)
<EXPENSE-OTHER>                                  5,535
<INCOME-PRETAX>                                  4,029
<INCOME-PRE-EXTRAORDINARY>                       4,029
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,151
<EPS-PRIMARY>                                     1.43
<EPS-DILUTED>                                     1.43
<YIELD-ACTUAL>                                    7.79
<LOANS-NON>                                      1,209
<LOANS-PAST>                                     2,111
<LOANS-TROUBLED>                                   239
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,903
<CHARGE-OFFS>                                      319
<RECOVERIES>                                       239
<ALLOWANCE-CLOSE>                                4,048
<ALLOWANCE-DOMESTIC>                             4,048
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>