<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Condensed Balance Sheet and Statement of Income and is qualified in
its entirety by reference to such financial statements.
</LEGEND>
       
                                                  
<PERIOD-TYPE>                   9-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995             DEC-31-1995
<PERIOD-END>                               SEP-30-1995             SEP-30-1995
<CASH>                                           8,247                       0
<INT-BEARING-DEPOSITS>                             100                       0
<FED-FUNDS-SOLD>                                 3,457                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     74,850                       0
<INVESTMENTS-CARRYING>                           7,868                       0
<INVESTMENTS-MARKET>                             7,909                       0
<LOANS>                                        204,574                       0
<ALLOWANCE>                                      2,720                       0
<TOTAL-ASSETS>                                 306,267                       0
<DEPOSITS>                                     256,106                       0
<SHORT-TERM>                                    13,294                       0
<LIABILITIES-OTHER>                             13,294                       0
<LONG-TERM>                                      6,500                       0
<COMMON>                                         1,251                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                      2,000                       0
<OTHER-SE>                                      24,141                       0
<TOTAL-LIABILITIES-AND-EQUITY>                 306,267                       0
<INTEREST-LOAN>                                 12,510                   4,362
<INTEREST-INVEST>                                4,260                   1,336
<INTEREST-OTHER>                                   157                      86
<INTEREST-TOTAL>                                16,927                   5,784
<INTEREST-DEPOSIT>                               7,595                   2,713
<INTEREST-EXPENSE>                               8,804                   3,060
<INTEREST-INCOME-NET>                            8,123                   2,724
<LOAN-LOSSES>                                       18                       9
<SECURITIES-GAINS>                                  16                       5
<EXPENSE-OTHER>                                  6,269                   2,003
<INCOME-PRETAX>                                  2,950                   1,046
<INCOME-PRE-EXTRAORDINARY>                       2,950                   1,046
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     1,784                     629
<EPS-PRIMARY>                                     1.34                    0.47
<EPS-DILUTED>                                     1.34                    0.47
<YIELD-ACTUAL>                                    7.76                       0
<LOANS-NON>                                      1,385                       0
<LOANS-PAST>                                        33                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 2,784                       0
<CHARGE-OFFS>                                      117                       0
<RECOVERIES>                                        35                       0
<ALLOWANCE-CLOSE>                                2,720                       0
<ALLOWANCE-DOMESTIC>                             1,550                       0
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                          1,170                       0