<ARTICLE> 9 <LEGEND> THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE REPORT ON FORM 10-Q FOR THE QUARTER ENDED SEPTEMBER 30, 1995 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <MULTIPLIER> 1000 <PERIOD-TYPE> 3-MOS 9-MOS <FISCAL-YEAR-END> DEC-31-1995 DEC-31-1995 <PERIOD-END> SEP-30-1995 SEP-30-1995 <CASH> 14,305 14,305 <INT-BEARING-DEPOSITS> 2,976 2,976 <FED-FUNDS-SOLD> 24,000 24,000 <TRADING-ASSETS> 0 0 <INVESTMENTS-HELD-FOR-SALE> 12,674 12,674 <INVESTMENTS-CARRYING> 12,609 12,609 <INVESTMENTS-MARKET> 12,433 12,433 <LOANS> 92,104 92,104 <ALLOWANCE> 2,133 2,133 <TOTAL-ASSETS> 169,401 169,401 <DEPOSITS> 134,648 134,648 <SHORT-TERM> 8,674 8,674 <LIABILITIES-OTHER> 1,365 1,365 <LONG-TERM> 10,158 10,158 <COMMON> 19,216 19,216 <PREFERRED-MANDATORY> 0 0 <PREFERRED> 0 0 <OTHER-SE> (5,098) (5,098) <TOTAL-LIABILITIES-AND-EQUITY> 169,401 169,401 <INTEREST-LOAN> 2,609 7,752 <INTEREST-INVEST> 400 1,205 <INTEREST-OTHER> 200 573 <INTEREST-TOTAL> 3,209 9,530 <INTEREST-DEPOSIT> 756 2,117 <INTEREST-EXPENSE> 817 2,343 <INTEREST-INCOME-NET> 2,392 7,187 <LOAN-LOSSES> (200) 250 <SECURITIES-GAINS> 0 11 <EXPENSE-OTHER> 3,010 8,088 <INCOME-PRETAX> 36 166 <INCOME-PRE-EXTRAORDINARY> 36 166 <EXTRAORDINARY> 0 0 <CHANGES> 0 0 <NET-INCOME> 34 158 <EPS-PRIMARY> 0.02 0.08 <EPS-DILUTED> 0.02 0.08 <YIELD-ACTUAL> 6.30 6.36 <LOANS-NON> 3,720 3,720 <LOANS-PAST> 981 981 <LOANS-TROUBLED> 1,370 1,370 <LOANS-PROBLEM> 0 0 <ALLOWANCE-OPEN> 2,494 2,148 <CHARGE-OFFS> 272 599 <RECOVERIES> 111 334 <ALLOWANCE-CLOSE> 2,133 2,133 <ALLOWANCE-DOMESTIC> 1,210 1,210 <ALLOWANCE-FOREIGN> 0 0 <ALLOWANCE-UNALLOCATED> 923 923