<TABLE> <S> <C>


<ARTICLE>                                                          9
<MULTIPLIER>                                                   1,000

       

<S>                                                          <C>
<PERIOD-TYPE>                                                      9-Mos
<FISCAL-YEAR-END>                                             Dec-31-1996
<PERIOD-END>                                                  Sep-30-1996
<CASH>                                                        26,510
<INT-BEARING-DEPOSITS>                                       361,668
<FED-FUNDS-SOLD>                                                 200
<TRADING-ASSETS>                                                   0
<INVESTMENTS-HELD-FOR-SALE>                                   49,279
<INVESTMENTS-CARRYING>                                        73,096
<INVESTMENTS-MARKET>                                          73,197
<LOANS>                                                      333,542
<ALLOWANCE>                                                   (3,567)
<TOTAL-ASSETS>                                               493,321
<DEPOSITS>                                                   435,650
<SHORT-TERM>                                                  11,400
<LIABILITIES-OTHER>                                            3,627
<LONG-TERM>                                                        0
<COMMON>                                                       4,733
<PREFERRED-MANDATORY>                                              0
<PREFERRED>                                                        0
<OTHER-SE>                                                    37,911
<TOTAL-LIABILITIES-AND-EQUITY>                               493,321
<INTEREST-LOAN>                                               21,468
<INTEREST-INVEST>                                              5,858
<INTEREST-OTHER>                                                 375
<INTEREST-TOTAL>                                              27,701
<INTEREST-DEPOSIT>                                            10,626
<INTEREST-EXPENSE>                                            10,970
<INTEREST-INCOME-NET>                                         16,731
<LOAN-LOSSES>                                                    550
<SECURITIES-GAINS>                                               235
<EXPENSE-OTHER>                                               12,342
<INCOME-PRETAX>                                                6,736
<INCOME-PRE-EXTRAORDINARY>                                     6,736
<EXTRAORDINARY>                                                    0
<CHANGES>                                                          0
<NET-INCOME>                                                   4,378
<EPS-PRIMARY>                                                      1.54
<EPS-DILUTED>                                                      1.54
<YIELD-ACTUAL>                                                     4.89
<LOANS-NON>                                                    2,353
<LOANS-PAST>                                                       0
<LOANS-TROUBLED>                                               1,000
<LOANS-PROBLEM>                                                    0
<ALLOWANCE-OPEN>                                               3,647
<CHARGE-OFFS>                                                    827
<RECOVERIES>                                                     197
<ALLOWANCE-CLOSE>                                              3,567
<ALLOWANCE-DOMESTIC>                                           3,567
<ALLOWANCE-FOREIGN>                                                0
<ALLOWANCE-UNALLOCATED>                                          750
        

</TABLE>