<TABLE> <S> <C>
    
<ARTICLE>                    9   

<LEGEND>

This schedule  contains summary  financial  information  extracted from the Form
10-QSB for quarters ended March 31, 1996, June 30, 1996, September 30, 1996, and
is  qualified in its entirety by  reference  to such  financial  statements  and
accompanying disclosures.
</LEGEND>
<CURRENCY>                         US Dollars
<MULTIPLIER>                       1,000
       

<S>                               <C>             <C>              <C>          
<PERIOD-TYPE>                      3-mos            6-mos           9-mos       
<FISCAL-YEAR-END>                  Dec-31-1996      Dec-31-1996     Dec-31-1996 
<PERIOD-START>                     Jan-01-1996      Jan-01-1996     Jan-01-1996 
<PERIOD-END>                       Mar-31-1996      Jun-30-1996     Sep-30-1996
<EXCHANGE-RATE>                    1                1               1       
<CASH>                             13,941           17,015          16,568      
<INT-BEARING-DEPOSITS>                  0                0               0      
<FED-FUNDS-SOLD>                    2,000                0           1,500      
<TRADING-ASSETS>                        0                0               0      
<INVESTMENTS-HELD-FOR-SALE>        48,190           48,040          55,964      
<INVESTMENTS-CARRYING>             15,264           15,448          15,316      
<INVESTMENTS-MARKET>               15,375           15,506          15,408      
<LOANS>                           179,554          188,305         191,084      
<ALLOWANCE>                         3,859            4,021           3,998      
<TOTAL-ASSETS>                    267,358          276,758         288,182      
<DEPOSITS>                        203,737          213,176         229,755      
<SHORT-TERM>                       31,567           31,767          25,256      
<LIABILITIES-OTHER>                 5,025            3,707           3,500      
<LONG-TERM>                             0                0               0      
<PREFERRED-MANDATORY>                   0                0               0      
<PREFERRED>                             0                0               0      
<COMMON>                           19,711           19,897          20,170      
<OTHER-SE>                          7,318            8,211           9,501      
<TOTAL-LIABILITIES-AND-EQUITY>    267,358          276,758         288,182      
<INTEREST-LOAN>                     4,914            9,979          15,199      
<INTEREST-INVEST>                     938            1,942           2,986      
<INTEREST-OTHER>                       (2)              (5)             (7)     
<INTEREST-TOTAL>                    5,850           11,916          18,178      
<INTEREST-DEPOSIT>                  1,483            3,109           4,796      
<INTEREST-EXPENSE>                  1,929            3,976           6,010      
<INTEREST-INCOME-NET>               3,921            7,940          12,168      
<LOAN-LOSSES>                          20               50             100      
<SECURITIES-GAINS>                      0              (79)           (146)     
<EXPENSE-OTHER>                     2,473            4,813           7,236      
<INCOME-PRETAX>                     1,688            3,510           5,447      
<INCOME-PRE-EXTRAORDINARY>          1,688            3,510           5,447      
<EXTRAORDINARY>                         0                0               0      
<CHANGES>                               0                0               0      
<NET-INCOME>                          959            2,003           3,123      
<EPS-PRIMARY>                        .40              .82            1.27   
<EPS-DILUTED>                        .37              .77            1.19   
<YIELD-ACTUAL>                       .067             .065            .067 
<LOANS-NON>                           235              428             615      
<LOANS-PAST>                          246               17               0      
<LOANS-TROUBLED>                        0                0               0      
<LOANS-PROBLEM>                         0                0               0      
<ALLOWANCE-OPEN>                    3,847            3,847           3,847      
<CHARGE-OFFS>                         176              186             341      
<RECOVERIES>                          118              260             342      
<ALLOWANCE-CLOSE>                   3,859            4,021           3,998      
<ALLOWANCE-DOMESTIC>                3,601            3,473           3,471      
<ALLOWANCE-FOREIGN>                     0                0               0      
<ALLOWANCE-UNALLOCATED>               258              548             527      
                                                                           

</TABLE>