
<TABLE> <S> <C>


<ARTICLE>                     9
<LEGEND>
This schedule contains summary financial information extracted from (identify
specific financial statements) and is qualified in its entirety by reference
to such financial statements.
</LEGEND>
<MULTIPLIER>                                   1,000
<CURRENCY>                                     U.S.
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                              DEC-31-1996
<PERIOD-START>                                 JAN-01-1996
<PERIOD-END>                                   DEC-01-1996
<EXCHANGE-RATE>                                1
<CASH>                                         13,713
<INT-BEARING-DEPOSITS>                         0
<FED-FUNDS-SOLD>                               100
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    37,020
<INVESTMENTS-CARRYING>                         104,896
<INVESTMENTS-MARKET>                           104,858
<LOANS>                                        322,333
<ALLOWANCE>                                    3,211
<TOTAL-ASSETS>                                 487,900
<DEPOSITS>                                     397,876
<SHORT-TERM>                                   38,057
<LIABILITIES-OTHER>                            3,385
<LONG-TERM>                                    0
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       13,253
<OTHER-SE>                                     35,329
<TOTAL-LIABILITIES-AND-EQUITY>                 48,582
<INTEREST-LOAN>                                19,786
<INTEREST-INVEST>                              4,806
<INTEREST-OTHER>                               487
<INTEREST-TOTAL>                               25,079
<INTEREST-DEPOSIT>                             10,725
<INTEREST-EXPENSE>                             11,258
<INTEREST-INCOME-NET>                          13,821
<LOAN-LOSSES>                                  0
<SECURITIES-GAINS>                             0
<EXPENSE-OTHER>                                7,595
<INCOME-PRETAX>                                7,625
<INCOME-PRE-EXTRAORDINARY>                     7,625
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   5,119
<EPS-PRIMARY>                                  0.97
<EPS-DILUTED>                                  0.97
<YIELD-ACTUAL>                                 4.18
<LOANS-NON>                                    1,357
<LOANS-PAST>                                   2,342
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                1,357
<ALLOWANCE-OPEN>                               3,274
<CHARGE-OFFS>                                  127
<RECOVERIES>                                   64
<ALLOWANCE-CLOSE>                              3,211
<ALLOWANCE-DOMESTIC>                           3,211
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        0
        


</TABLE>
