<TABLE> <S> <C>


<ARTICLE> 9
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   9-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1995
<PERIOD-END>                               SEP-30-1997             SEP-30-1996
<CASH>                                            3578                    2767
<INT-BEARING-DEPOSITS>                              97                      74
<FED-FUNDS-SOLD>                                  7300                    8900
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                      39651                   30997
<INVESTMENTS-CARRYING>                           30091                   29603
<INVESTMENTS-MARKET>                             30146                   29866
<LOANS>                                          58664                   57419
<ALLOWANCE>                                        825                     750
<TOTAL-ASSETS>                                  145090                  134951
<DEPOSITS>                                      122487                  115854
<SHORT-TERM>                                      7779                    5175
<LIABILITIES-OTHER>                               1326                    3886
<LONG-TERM>                                       3749                    1749
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                       1547                     727
<COMMON>                                          2051                    2051
<OTHER-SE>                                        6188                    5645
<TOTAL-LIABILITIES-AND-EQUITY>                  145090                  134951
<INTEREST-LOAN>                                   3891                    3524
<INTEREST-INVEST>                                 3266                    3104
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                                  7157                    6628
<INTEREST-DEPOSIT>                                2948                    2452
<INTEREST-EXPENSE>                                 303                     228
<INTEREST-INCOME-NET>                             3906                    3948
<LOAN-LOSSES>                                       43                      65
<SECURITIES-GAINS>                                  19                       9
<EXPENSE-OTHER>                                   3552                    3648
<INCOME-PRETAX>                                   1192                    1095
<INCOME-PRE-EXTRAORDINARY>                        1192                    1095
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                       760                     710
<EPS-PRIMARY>                                     6.27                    6.27
<EPS-DILUTED>                                     5.66                    5.66
<YIELD-ACTUAL>                                    4.09                    4.36
<LOANS-NON>                                       1277                    1094
<LOANS-PAST>                                        76                    3460
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                   750                     725
<CHARGE-OFFS>                                       31                      84
<RECOVERIES>                                        63                      94
<ALLOWANCE-CLOSE>                                  825                     725
<ALLOWANCE-DOMESTIC>                               737                     679
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                             88                      46
        



</TABLE>