<TABLE> <S> <C>



<ARTICLE>                                                           9
<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>                                                            2,941
<INT-BEARING-DEPOSITS>                                                0
<FED-FUNDS-SOLD>                                                  1,528
<TRADING-ASSETS>                                                  6,988
<INVESTMENTS-HELD-FOR-SALE>                                      21,893
<INVESTMENTS-CARRYING>                                            4,437
<INVESTMENTS-MARKET>                                              4,152
<LOANS>                                                          65,255
<ALLOWANCE>                                                       1,760
<TOTAL-ASSETS>                                                  110,788
<DEPOSITS>                                                       95,220
<SHORT-TERM>                                                      2,400
<LIABILITIES-OTHER>                                                 443
<LONG-TERM>                                                         299
<PREFERRED-MANDATORY>                                                 0
<PREFERRED>                                                          15
<COMMON>                                                             20
<OTHER-SE>                                                       12,391
<TOTAL-LIABILITIES-AND-EQUITY>                                  110,788
<INTEREST-LOAN>                                                   4,216
<INTEREST-INVEST>                                                 1,404
<INTEREST-OTHER>                                                     78
<INTEREST-TOTAL>                                                  5,698
<INTEREST-DEPOSIT>                                                2,660
<INTEREST-EXPENSE>                                                2,724
<INTEREST-INCOME-NET>                                             2,974
<LOAN-LOSSES>                                                     (667)
<SECURITIES-GAINS>                                                  842
<EXPENSE-OTHER>                                                   3,752
<INCOME-PRETAX>                                                   2,738
<INCOME-PRE-EXTRAORDINARY>                                        2,738
<EXTRAORDINARY>                                                       0
<CHANGES>                                                             0
<NET-INCOME>                                                      2,738
<EPS-PRIMARY>                                                      0.85
<EPS-DILUTED>                                                      0.71
<YIELD-ACTUAL>                                                     4.33
<LOANS-NON>                                                       2,712
<LOANS-PAST>                                                        643
<LOANS-TROUBLED>                                                    193
<LOANS-PROBLEM>                                                       0
<ALLOWANCE-OPEN>                                                  1,624
<CHARGE-OFFS>                                                       380
<RECOVERIES>                                                      1,183
<ALLOWANCE-CLOSE>                                                 1,760
<ALLOWANCE-DOMESTIC>                                                792
<ALLOWANCE-FOREIGN>                                                   0
<ALLOWANCE-UNALLOCATED>                                             968
        



</TABLE>