<TABLE> <S> <C>

<ARTICLE>      9
<LEGEND>
THE  SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
QUARTERLY REPORT ON FORM 10-Q SB FOR THE FISCAL QUARTER ENDED SEPTEMBER 30,
1996 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>  1000    
       
<S>                                                  <C>
<PERIOD-TYPE>                                        9-MOS
<FISCAL-YEAR-END>                                                 DEC-31-1996
<PERIOD-END>                                                      SEP-30-1996
<CASH>                                                                  1,520
<INT-BEARING-DEPOSITS>                                                      0
<FED-FUNDS-SOLD>                                                        3,300
<TRADING-ASSETS>                                                            0
<INVESTMENTS-HELD-FOR-SALE>                                             1,986
<INVESTMENTS-CARRYING>                                                 37,098
<INVESTMENTS-MARKET>                                                   36,577
<LOANS>                                                               117,846
<ALLOWANCE>                                                               646
<TOTAL-ASSETS>                                                        166,030
<DEPOSITS>                                                            141,866
<SHORT-TERM>                                                                0  
<LIABILITIES-OTHER>                                                     2,990
<LONG-TERM>                                                                 0 
<COMMON>                                                                   15     
<PREFERRED-MANDATORY>                                                       0 
<PREFERRED>                                                                 0 
<OTHER-SE>                                                             21,159 
<TOTAL-LIABILITIES-AND-EQUITY>                                        166,030
<INTEREST-LOAN>                                                         6,470
<INTEREST-INVEST>                                                       2,171
<INTEREST-OTHER>                                                          282
<INTEREST-TOTAL>                                                        8,923
<INTEREST-DEPOSIT>                                                      4,639
<INTEREST-EXPENSE>                                                      4,639
<INTEREST-INCOME-NET>                                                   4,284 
<LOAN-LOSSES>                                                              90
<SECURITIES-GAINS>                                                          8
<EXPENSE-OTHER>                                                         4,183
<INCOME-PRETAX>                                                           321
<INCOME-PRE-EXTRAORDINARY>                                                321
<EXTRAORDINARY>                                                             0  
<CHANGES>                                                                   0
<NET-INCOME>                                                              457
<EPS-PRIMARY>                                                             .36
<EPS-DILUTED>                                                             .36
<YIELD-ACTUAL>                                                           3.53
<LOANS-NON>                                                               925  
<LOANS-PAST>                                                               81
<LOANS-TROUBLED>                                                            0 
<LOANS-PROBLEM>                                                             0
<ALLOWANCE-OPEN>                                                          572
<CHARGE-OFFS>                                                              45
<RECOVERIES>                                                               29
<ALLOWANCE-CLOSE>                                                         646
<ALLOWANCE-DOMESTIC>                                                      368
<ALLOWANCE-FOREIGN>                                                         0
<ALLOWANCE-UNALLOCATED>                                                   278
           

</TABLE>