<TABLE> <S> <C>

<ARTICLE>                         9
<MULTIPLIER>                  1000
       
<S>                             <C>                <C>
<PERIOD-TYPE>                   3-MOS              9-MOS
<FISCAL-YEAR-END>                  DEC-31-1996        DEC-31-1996
<PERIOD-END>                       SEP-30-1996        SEP-30-1996
<CASH>                             3,937              3,937
<INT-BEARING-DEPOSITS>             23,688             23,688
<FED-FUNDS-SOLD>                    0                  0
<TRADING-ASSETS>                    0                  0
<INVESTMENTS-HELD-FOR-SALE>        15,989             15,989
<INVESTMENTS-CARRYING>             6,877              6,877
<INVESTMENTS-MARKET>               6,987              6,987
<LOANS>                            247,701            247,701
<ALLOWANCE>                        2333               2333            
<TOTAL-ASSETS>                     326,419            326,419
<DEPOSITS>                         253,904            253,904
<SHORT-TERM>                       13,724             13,724
<LIABILITIES-OTHER>                13,626             13,626
<LONG-TERM>                        0                  0
<PREFERRED-MANDATORY>              0                  0
<PREFERRED>                        10,350             10,350 
<COMMON>                           31,167             31,167
<OTHER-SE>                         3,648              3,648
<TOTAL-LIABILITIES-AND-EQUITY>     326,419            326,419
<INTEREST-LOAN>                    5,713              17,074
<INTEREST-INVEST>                  510                1,565
<INTEREST-OTHER>                   0                  0 
<INTEREST-TOTAL>                   6,223              18,639
<INTEREST-DEPOSIT>                 2,551              7,785
<INTEREST-EXPENSE>                 83                 174
<INTEREST-INCOME-NET>              3,589              10,680
<LOAN-LOSSES>                      50                 105
<SECURITIES-GAINS>                 0                  0 
<EXPENSE-OTHER>                    4,454              11,239
<INCOME-PRETAX>                    365                2,629
<INCOME-PRE-EXTRAORDINARY>         365                2,629
<EXTRAORDINARY>                    0                  0
<CHANGES>                          0                  0
<NET-INCOME>                       212                1,536
<EPS-PRIMARY>                      0                  .11
<EPS-DILUTED>                      0                  .11
<YIELD-ACTUAL>                     4.99               5.00
<LOANS-NON>                        2,903              2,903
<LOANS-PAST>                       0                  0
<LOANS-TROUBLED>                   0                  0
<LOANS-PROBLEM>                    0                  0
<ALLOWANCE-OPEN>                   2,333              2,431
<CHARGE-OFFS>                      111                700
<RECOVERIES>                       61                 123
<ALLOWANCE-CLOSE>                  2333               2333
<ALLOWANCE-DOMESTIC>               2333               2333
<ALLOWANCE-FOREIGN>                0                  0
<ALLOWANCE-UNALLOCATED>            30                 38 
        


</TABLE>