<ARTICLE> 9 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1994 <PERIOD-END> SEP-30-1994 <CASH> 43228 <INT-BEARING-DEPOSITS> 397 <FED-FUNDS-SOLD> 12000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 64451 <INVESTMENTS-MARKET> 62787 <LOANS> 152340 <ALLOWANCE> 7470 <TOTAL-ASSETS> 280436 <DEPOSITS> 242532 <SHORT-TERM> 0 <LIABILITIES-OTHER> 8878 <LONG-TERM> 0 <COMMON> 26429 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 2597 <TOTAL-LIABILITIES-AND-EQUITY> 280436 <INTEREST-LOAN> 9660 <INTEREST-INVEST> 2715 <INTEREST-OTHER> 46 <INTEREST-TOTAL> 12421 <INTEREST-DEPOSIT> 2393 <INTEREST-EXPENSE> 2647 <INTEREST-INCOME-NET> 9774 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 11221 <INCOME-PRETAX> 3272 <INCOME-PRE-EXTRAORDINARY> 1857 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1857 <EPS-PRIMARY> .40 <EPS-DILUTED> .40 <YIELD-ACTUAL> 5.81 <LOANS-NON> 113 <LOANS-PAST> 0 <LOANS-TROUBLED> 1757 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 6513 <CHARGE-OFFS> 1159 <RECOVERIES> 2116 <ALLOWANCE-CLOSE> 7470 <ALLOWANCE-DOMESTIC> 7470 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0