<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               SEP-30-1995
<CASH>                                            4560
<INT-BEARING-DEPOSITS>                             300
<FED-FUNDS-SOLD>                                   516
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      40723
<INVESTMENTS-CARRYING>                           14312
<INVESTMENTS-MARKET>                             14122
<LOANS>                                          59203
<ALLOWANCE>                                       1457
<TOTAL-ASSETS>                                  123173
<DEPOSITS>                                      105164
<SHORT-TERM>                                      1100
<LIABILITIES-OTHER>                                836
<LONG-TERM>                                       3299
<COMMON>                                         13227
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                       (453)
<TOTAL-LIABILITIES-AND-EQUITY>                  123173
<INTEREST-LOAN>                                   4834
<INTEREST-INVEST>                                 2540
<INTEREST-OTHER>                                    80
<INTEREST-TOTAL>                                  7454
<INTEREST-DEPOSIT>                                2258
<INTEREST-EXPENSE>                                2428
<INTEREST-INCOME-NET>                             5026
<LOAN-LOSSES>                                       60
<SECURITIES-GAINS>                                (90)
<EXPENSE-OTHER>                                   3087
<INCOME-PRETAX>                                   2846
<INCOME-PRE-EXTRAORDINARY>                        1889
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      1889
<EPS-PRIMARY>                                     3.49
<EPS-DILUTED>                                     3.49
<YIELD-ACTUAL>                                    5.96
<LOANS-NON>                                        189
<LOANS-PAST>                                        68
<LOANS-TROUBLED>                                  1000
<LOANS-PROBLEM>                                   2013
<ALLOWANCE-OPEN>                                  1525
<CHARGE-OFFS>                                      166
<RECOVERIES>                                        38
<ALLOWANCE-CLOSE>                                 1457
<ALLOWANCE-DOMESTIC>                              1457
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0