<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM
FORM-10Q FOR THE PERIOD ENDED SEPTEMBER 30, 1996 AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1000
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1996
<PERIOD-END>                               SEP-30-1996             SEP-30-1996
<CASH>                                           10659                   10659
<INT-BEARING-DEPOSITS>                            2728                    2728
<FED-FUNDS-SOLD>                                 26110                   26110
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                      23484                   23484
<INVESTMENTS-CARRYING>                           14699                   14699
<INVESTMENTS-MARKET>                             14583                   14583
<LOANS>                                         103655                  103655
<ALLOWANCE>                                       1621                    1621
<TOTAL-ASSETS>                                  192230                  192230
<DEPOSITS>                                      156406                  156406
<SHORT-TERM>                                     10525                   10525
<LIABILITIES-OTHER>                                539                     539
<LONG-TERM>                                       7892                    7892
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                         20314                   20314
<OTHER-SE>                                      (3308)                  (3308)
<TOTAL-LIABILITIES-AND-EQUITY>                  192230                  192230
<INTEREST-LOAN>                                   2574                    7264
<INTEREST-INVEST>                                  545                    1524
<INTEREST-OTHER>                                   361                     950
<INTEREST-TOTAL>                                  3480                    9738
<INTEREST-DEPOSIT>                                 950                    2633
<INTEREST-EXPENSE>                                1009                    2778
<INTEREST-INCOME-NET>                             2471                    6960
<LOAN-LOSSES>                                      100                       0
<SECURITIES-GAINS>                                   3                       3
<EXPENSE-OTHER>                                   2754                    8055
<INCOME-PRETAX>                                     71                     290
<INCOME-PRE-EXTRAORDINARY>                          71                     290
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                        68                     279
<EPS-PRIMARY>                                     0.02                    0.09
<EPS-DILUTED>                                     0.02                    0.09
<YIELD-ACTUAL>                                    5.39                    5.39
<LOANS-NON>                                       4367                    4367
<LOANS-PAST>                                      1232                    1232
<LOANS-TROUBLED>                                  2076                    2076
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                  1519                    2002
<CHARGE-OFFS>                                        6                     406
<RECOVERIES>                                         8                      25
<ALLOWANCE-CLOSE>                                 1621                    1621
<ALLOWANCE-DOMESTIC>                              1138                    1138
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                            482                     482
        

</TABLE>