<TABLE> <S> <C>


<ARTICLE>                                            9

                        
                    
<MULTIPLIER>                                  1,000
                                    
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-1996
<PERIOD-START>                                  JUL-1-1996
<PERIOD-END>                                   SEP-30-1996 
<CASH>                                               2,588
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                     3,520
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         21,403
<INVESTMENTS-CARRYING>                              21,403
<INVESTMENTS-MARKET>                                21,403
<LOANS>                                             74,071
<ALLOWANCE>                                          1,101
<TOTAL-ASSETS>                                     105,758
<DEPOSITS>                                          83,406
<SHORT-TERM>                                        12,300
<LIABILITIES-OTHER>                                  1,332
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                             1,049
<OTHER-SE>                                           7,671
<TOTAL-LIABILITIES-AND-EQUITY>                     105,758
<INTEREST-LOAN>                                      1,863
<INTEREST-INVEST>                                      339
<INTEREST-OTHER>                                        22
<INTEREST-TOTAL>                                     2,224
<INTEREST-DEPOSIT>                                     672
<INTEREST-EXPENSE>                                     739
<INTEREST-INCOME-NET>                                1,485
<LOAN-LOSSES>                                           50
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                      1,252
<INCOME-PRETAX>                                        854
<INCOME-PRE-EXTRAORDINARY>                             854
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           533
<EPS-PRIMARY>                                          .51
<EPS-DILUTED>                                          .49
<YIELD-ACTUAL>                                        9.94
<LOANS-NON>                                              0
<LOANS-PAST>                                           167
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                     1,044
<CHARGE-OFFS>                                            1
<RECOVERIES>                                             8
<ALLOWANCE-CLOSE>                                    1,101
<ALLOWANCE-DOMESTIC>                                 1,101
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                              1,101
        


</TABLE>