<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
Consolidated   Balance  Sheet  at  September  30,  1996,   (Unaudited)  and  the
Consolidated  Statement of Income for the Nine Months Ended  September  30, 1996
(Unaudited)  and is qualified  in its  entirety by  reference to such  financial
statements.
</LEGEND>
       
<MULTIPLIER>    1,000
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                           7,343
<INT-BEARING-DEPOSITS>                              11
<FED-FUNDS-SOLD>                                 8,070
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     24,495
<INVESTMENTS-CARRYING>                           8,093
<INVESTMENTS-MARKET>                             8,224
<LOANS>                                        186,120
<ALLOWANCE>                                      2,829
<TOTAL-ASSETS>                                 242,253
<DEPOSITS>                                     194,557
<SHORT-TERM>                                    10,000
<LIABILITIES-OTHER>                              2,431
<LONG-TERM>                                     13,600
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         4,110
<OTHER-SE>                                      13,742
<TOTAL-LIABILITIES-AND-EQUITY>                 242,253
<INTEREST-LOAN>                                 15,809
<INTEREST-INVEST>                                1,751
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                17,560
<INTEREST-DEPOSIT>                               5,663
<INTEREST-EXPENSE>                               6,705
<INTEREST-INCOME-NET>                           10,855
<LOAN-LOSSES>                                    1,253
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  8,739
<INCOME-PRETAX>                                  2,355
<INCOME-PRE-EXTRAORDINARY>                       2,355
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,531
<EPS-PRIMARY>                                     0.59
<EPS-DILUTED>                                     0.59
<YIELD-ACTUAL>                                    7.12
<LOANS-NON>                                        414
<LOANS-PAST>                                       652
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  3,217
<ALLOWANCE-OPEN>                                 2,320
<CHARGE-OFFS>                                      809
<RECOVERIES>                                        65
<ALLOWANCE-CLOSE>                                2,829
<ALLOWANCE-DOMESTIC>                             2,829
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>