<ARTICLE> 9
       
                                        
<PERIOD-TYPE>                              9-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               SEP-30-1995
<CASH>                                      16,954
<INT-BEARING-DEPOSITS>                     248,906
<FED-FUNDS-SOLD>                                 0
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<ALLOWANCE>                                  2,781 
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<DEPOSITS>                                 284,179
<SHORT-TERM>                                37,579
<LIABILITIES-OTHER>                          2,526
<LONG-TERM>                                      0
<COMMON>                                     1,027
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<PREFERRED>                                      0
<OTHER-SE>                                       0
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<INTEREST-LOAN>                             14,875
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<INTEREST-OTHER>                                19
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<INTEREST-DEPOSIT>                           6,841
<INTEREST-EXPENSE>                           8,222
<INTEREST-INCOME-NET>                       11,214
<LOAN-LOSSES>                                    0
<SECURITIES-GAINS>                            (16)
<EXPENSE-OTHER>                             11,661
<INCOME-PRETAX>                              2,373
<INCOME-PRE-EXTRAORDINARY>                   2,373
<EXTRAORDINARY>                                  0
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<EPS-PRIMARY>                                 3.51
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<YIELD-ACTUAL>                                7.89
<LOANS-NON>                                  2,499
<LOANS-PAST>                                 6,983
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<ALLOWANCE-OPEN>                             2,555
<CHARGE-OFFS>                                  187
<RECOVERIES>                                   413
<ALLOWANCE-CLOSE>                            2,781
<ALLOWANCE-DOMESTIC>                         2,781
<ALLOWANCE-FOREIGN>                              0
<ALLOWANCE-UNALLOCATED>                        802