<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                   1000
       
<S>                                                <C>
<PERIOD-TYPE>                                      9-mos
<FISCAL-YEAR-END>                                  Dec-31-1996
<PERIOD-END>                                       Sep-30-1996
<CASH>                                                       3,675
<INT-BEARING-DEPOSITS>                                     236,859
<FED-FUNDS-SOLD>                                                 0
<TRADING-ASSETS>                                                 0
<INVESTMENTS-HELD-FOR-SALE>                                 38,493
<INVESTMENTS-CARRYING>                                       4,492
<INVESTMENTS-MARKET>                                         4,499
<LOANS>                                                    271,487
<ALLOWANCE>                                                  3,193
<TOTAL-ASSETS>                                             329,233
<DEPOSITS>                                                 249,184
<SHORT-TERM>                                                17,809
<LIABILITIES-OTHER>                                          4,983
<LONG-TERM>                                                 29,510
<PREFERRED-MANDATORY>                                            0
<PREFERRED>                                                      0
<COMMON>                                                     2,298
<OTHER-SE>                                                  25,449
<TOTAL-LIABILITIES-AND-EQUITY>                             329,233
<INTEREST-LOAN>                                             17,539
<INTEREST-INVEST>                                            2,207
<INTEREST-OTHER>                                                 0
<INTEREST-TOTAL>                                            19,746
<INTEREST-DEPOSIT>                                           8,795
<INTEREST-EXPENSE>                                          10,740
<INTEREST-INCOME-NET>                                        9,006
<LOAN-LOSSES>                                                  385
<SECURITIES-GAINS>                                              26
<EXPENSE-OTHER>                                              7,046
<INCOME-PRETAX>                                              2,213
<INCOME-PRE-EXTRAORDINARY>                                   2,213
<EXTRAORDINARY>                                                  0
<CHANGES>                                                        0
<NET-INCOME>                                                 1,404
<EPS-PRIMARY>                                                    0.61
<EPS-DILUTED>                                                    0.61
<YIELD-ACTUAL>                                                   3.89
<LOANS-NON>                                                  2,561
<LOANS-PAST>                                                     0
<LOANS-TROUBLED>                                              647
<LOANS-PROBLEM>                                              1,017
<ALLOWANCE-OPEN>                                             3,062
<CHARGE-OFFS>                                                  292
<RECOVERIES>                                                    38
<ALLOWANCE-CLOSE>                                            3,193
<ALLOWANCE-DOMESTIC>                                         3,193
<ALLOWANCE-FOREIGN>                                              0
<ALLOWANCE-UNALLOCATED>                                          0
        

</TABLE>