<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED FINANCIAL STATEMENTS INCLUDED WITHIN THE COMPANY'S SEPTEMBER 30,
1996 FORM 10-Q 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-START>                             JAN-01-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                           5,975
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      8,081
<INVESTMENTS-CARRYING>                          13,078
<INVESTMENTS-MARKET>                            13,272
<LOANS>                                        202,342
<ALLOWANCE>                                      2,111
<TOTAL-ASSETS>                                 241,905
<DEPOSITS>                                     204,277
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              4,485
<LONG-TERM>                                          0
<COMMON>                                            10
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      15,862
<TOTAL-LIABILITIES-AND-EQUITY>                 241,905
<INTEREST-LOAN>                                 11,276
<INTEREST-INVEST>                                1,104
<INTEREST-OTHER>                                   188
<INTEREST-TOTAL>                                12,568
<INTEREST-DEPOSIT>                               5,980
<INTEREST-EXPENSE>                               6,710
<INTEREST-INCOME-NET>                            5,858
<LOAN-LOSSES>                                      100
<SECURITIES-GAINS>                                  77
<EXPENSE-OTHER>                                  5,390
<INCOME-PRETAX>                                  1,125
<INCOME-PRE-EXTRAORDINARY>                       1,125
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,060
<EPS-PRIMARY>                                     1.13
<EPS-DILUTED>                                     1.13
<YIELD-ACTUAL>                                    8.04
<LOANS-NON>                                      2,831
<LOANS-PAST>                                       554
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  1,420
<ALLOWANCE-OPEN>                                 2,667
<CHARGE-OFFS>                                    1,156
<RECOVERIES>                                        53
<ALLOWANCE-CLOSE>                                1,103
<ALLOWANCE-DOMESTIC>                             1,103
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>