<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> SEP-30-1995 <CASH> 3211 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 14000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 12730 <INVESTMENTS-CARRYING> 20759 <INVESTMENTS-MARKET> 20806 <LOANS> 33909 <ALLOWANCE> 766 <TOTAL-ASSETS> 91458 <DEPOSITS> 72131 <SHORT-TERM> 3570 <LIABILITIES-OTHER> 1199 <LONG-TERM> 4016 <COMMON> 4427 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 6115 <TOTAL-LIABILITIES-AND-EQUITY> 91458 <INTEREST-LOAN> 2801 <INTEREST-INVEST> 1814 <INTEREST-OTHER> 215 <INTEREST-TOTAL> 4830 <INTEREST-DEPOSIT> 1822 <INTEREST-EXPENSE> 228 <INTEREST-INCOME-NET> 2050 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 11 <EXPENSE-OTHER> 2316 <INCOME-PRETAX> 969 <INCOME-PRE-EXTRAORDINARY> 581 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 581 <EPS-PRIMARY> .55 <EPS-DILUTED> .54 <YIELD-ACTUAL> 8.4 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 196 <LOANS-PROBLEM> 1226 <ALLOWANCE-OPEN> 738 <CHARGE-OFFS> 45 <RECOVERIES> 73 <ALLOWANCE-CLOSE> 766 <ALLOWANCE-DOMESTIC> 433 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 333