<TABLE> <S> <C>

<ARTICLE>  9
<MULTIPLIER> 1,000
       
<PERIOD-TYPE>                          9-MOS
<FISCAL-YEAR-END>                                 DEC-31-1996
<PERIOD-END>                                      SEP-30-1996
<CASH>                                                 17,599
<INT-BEARING-DEPOSITS>                                      0
<FED-FUNDS-SOLD>                                       10,000
<TRADING-ASSETS>                                            0
<INVESTMENTS-HELD-FOR-SALE>                            35,655
<INVESTMENTS-CARRYING>                                103,553 
<INVESTMENTS-MARKET>                                  103,410
<LOANS>                                               280,168
<ALLOWANCE>                                             3,310
<TOTAL-ASSETS>                                        423,935
<DEPOSITS>                                            380,364
<SHORT-TERM>                                                0
<LIABILITIES-OTHER>                                     4,473
<LONG-TERM>                                                 0
<COMMON>                                                2,129
<PREFERRED-MANDATORY>                                       0
<PREFERRED>                                                 0
<OTHER-SE>                                             36,969
<TOTAL-LIABILITIES-AND-EQUITY>                        423,935
<INTEREST-LOAN>                                        16,357
<INTEREST-INVEST>                                       5,244
<INTEREST-OTHER>                                          752
<INTEREST-TOTAL>                                       22,353
<INTEREST-DEPOSIT>                                     10,819
<INTEREST-EXPENSE>                                     10,819
<INTEREST-INCOME-NET>                                  11,534
<LOAN-LOSSES>                                             960
<SECURITIES-GAINS>                                        358
<EXPENSE-OTHER>                                         7,155
<INCOME-PRETAX>                                         5,881
<INCOME-PRE-EXTRAORDINARY>                              5,881
<EXTRAORDINARY>                                             0
<CHANGES>                                                   0 
<NET-INCOME>                                            4,261
<EPS-PRIMARY>                                            3.93
<EPS-DILUTED>                                            3.93
<YIELD-ACTUAL>                                           5.17
<LOANS-NON>                                             3,136
<LOANS-PAST>                                              913
<LOANS-TROUBLED>                                          996
<LOANS-PROBLEM>                                           273
<ALLOWANCE-OPEN>                                        2,413
<CHARGE-OFFS>                                             656
<RECOVERIES>                                              593
<ALLOWANCE-CLOSE>                                       3,310
<ALLOWANCE-DOMESTIC>                                    3,310
<ALLOWANCE-FOREIGN>                                         0
<ALLOWANCE-UNALLOCATED>                                     0


        

</TABLE>