<ARTICLE> 9 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> SEP-30-1995 <CASH> 14,120,000 <INT-BEARING-DEPOSITS> 795,000 <FED-FUNDS-SOLD> 10,250,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 64,259,000 <INVESTMENTS-CARRYING> 61,246,000 <INVESTMENTS-MARKET> 61,831,000 <LOANS> 308,562,000 <ALLOWANCE> 2,788,000 <TOTAL-ASSETS> 480,208,000 <DEPOSITS> 398,870,000 <SHORT-TERM> 35,120,000 <LIABILITIES-OTHER> 3,818,000 <LONG-TERM> 7,450,000 <COMMON> 3,549,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 3,100,000 <OTHER-SE> 28,325,000 <TOTAL-LIABILITIES-AND-EQUITY> 480,208,000 <INTEREST-LOAN> 18,593,000 <INTEREST-INVEST> 5,902,000 <INTEREST-OTHER> 290,000 <INTEREST-TOTAL> 24,785,000 <INTEREST-DEPOSIT> 10,973,000 <INTEREST-EXPENSE> 12,303,000 <INTEREST-INCOME-NET> 12,482,000 <LOAN-LOSSES> 138,000 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 10,894,000 <INCOME-PRETAX> 4,396,000 <INCOME-PRE-EXTRAORDINARY> 4,396,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,006,000 <EPS-PRIMARY> 3.15 <EPS-DILUTED> 2.97 <YIELD-ACTUAL> 3.98 <LOANS-NON> 380,000 <LOANS-PAST> 232,000 <LOANS-TROUBLED> 634,000 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,608,000 <CHARGE-OFFS> 56,000 <RECOVERIES> 98,000 <ALLOWANCE-CLOSE> 2,788,000 <ALLOWANCE-DOMESTIC> 2,788,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 810,000