<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