<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     This schedule contains summary financial information extracted from the 
Balance Sheet, and Statement of Income, 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>                                         11,948
<INT-BEARING-DEPOSITS>                            100
<FED-FUNDS-SOLD>                                9,000
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                     2,585
<INVESTMENTS-CARRYING>                         11,886
<INVESTMENTS-MARKET>                           11,967
<LOANS>                                        65,161
<ALLOWANCE>                                     1,447
<TOTAL-ASSETS>                                104,206
<DEPOSITS>                                     93,908
<SHORT-TERM>                                        0
<LIABILITIES-OTHER>                             1,316
<LONG-TERM>                                         0
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0                                   
<COMMON>                                        4,125
<OTHER-SE>                                      4,857
<TOTAL-LIABILITIES-AND-EQUITY>                104,206
<INTEREST-LOAN>                                 5,429          
<INTEREST-INVEST>                                 611
<INTEREST-OTHER>                                  233
<INTEREST-TOTAL>                                6,273
<INTEREST-DEPOSIT>                              1,864
<INTEREST-EXPENSE>                              1,880
<INTEREST-INCOME-NET>                           4,393
<LOAN-LOSSES>                                     385
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                 4,312
<INCOME-PRETAX>                                 1,823
<INCOME-PRE-EXTRAORDINARY>                      1,823
<EXTRAORDINARY>                                     0
<CHANGES>                                           0      
<NET-INCOME>                                    1,062
<EPS-PRIMARY>                                   $1.13
<EPS-DILUTED>                                   $1.13
<YIELD-ACTUAL>                                   6.86
<LOANS-NON>                                     1,005
<LOANS-PAST>                                        8
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                1,447
<CHARGE-OFFS>                                     467
<RECOVERIES>                                       13
<ALLOWANCE-CLOSE>                               1,447
<ALLOWANCE-DOMESTIC>                            1,447
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0
        

</TABLE>