WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

<TABLE> <S> <C>

<ARTICLE>    9
<MULTIPLIER> 1,000
       
<S>                               <C>
<PERIOD-TYPE>                     9-MOS
<FISCAL-YEAR-END>                                         DEC-31-1996
<PEIOD START>                                              JAN-1-1996
<PERIOD-END>                                       SEPTEMBER 30, 1996
<CASH>                                                          8,176
<INT-BEARING-DEPOSITS>                                         61,036
<FED-FUNDS-SOLD>                                                5,000
<TRADING-ASSETS>                                                    0
<INVESTMENTS-HELD-FOR-SALE>                                    11,346
<INVESTMENTS-CARRYING>                                         17,950
<INVESTMENTS-MARKET>                                           17,895
<LOANS>                                                        65,761
<ALLOWANCE>                                                       964
<TOTAL-ASSETS>                                                 99,128
<DEPOSITS>                                                     86,634
<SHORT-TERM>                                                    2,167
<LIABILITIES-OTHER>                                               820
<LONG-TERM>                                                         0
<PREFERRED-MANDATORY>                                               0
<PREFERRED>                                                         0
<COMMON>                                                        3,662
<OTHER-SE>                                                          0
<TOTAL-LIABILITIES-AND-EQUITY>                                 99,128
<INTEREST-LOAN>                                                 4,736
<INTEREST-INVEST>                                                 862
<INTEREST-OTHER>                                                  209
<INTEREST-TOTAL>                                                5,807
<INTEREST-DEPOSIT>                                              1,750
<INTEREST-EXPENSE>                                              1,827
<INTEREST-INCOME-NET>                                           3,980
<LOAN-LOSSES>                                                       0
<SECURITIES-GAINS>                                                  0
<EXPENSE-OTHER>                                                 3,441
<INCOME-PRETAX>                                                 1,429
<INCOME-PRE-EXTRAORDINARY>                                      1,429
<EXTRAORDINARY>                                                     0
<CHANGES>                                                           0
<NET-INCOME>                                                      862
<EPS-PRIMARY>                                                    0.80
<EPS-DILUTED>                                                    0.71
<YIELD-ACTUAL>                                                   6.22
<LOANS-NON>                                                       171
<LOANS-PAST>                                                      267
<LOANS-TROUBLED>                                                    0
<LOANS-PROBLEM>                                                   438
<ALLOWANCE-OPEN>                                                  982
<CHARGE-OFFS>                                                      33
<RECOVERIES>                                                       15
<ALLOWANCE-CLOSE>                                                 964
<ALLOWANCE-DOMESTIC>                                              964
<ALLOWANCE-FOREIGN>                                                 0
<ALLOWANCE-UNALLOCATED>                                           397
        

</TABLE>