<ARTICLE> 9 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> SEP-30-1995 <CASH> 4,649,000 <INT-BEARING-DEPOSITS> 78,897,000 <FED-FUNDS-SOLD> 1,000,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 33,113,000 <INVESTMENTS-MARKET> 33,521,000 <LOANS> 54,365,000 <ALLOWANCE> 924,000 <TOTAL-ASSETS> 101,213,000 <DEPOSITS> 86,591,000 <SHORT-TERM> 367,000 <LIABILITIES-OTHER> 207,000 <LONG-TERM> 2,595,000 <COMMON> 7,314,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 101,213,000 <INTEREST-LOAN> 4,653,000 <INTEREST-INVEST> 1,334,000 <INTEREST-OTHER> 123,000 <INTEREST-TOTAL> 6,050,000 <INTEREST-DEPOSIT> 2,102,000 <INTEREST-EXPENSE> 2,311,000 <INTEREST-INCOME-NET> 3,739,000 <LOAN-LOSSES> 86,000 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,329,000 <INCOME-PRETAX> 1,047,000 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 699,000 <EPS-PRIMARY> .54 <EPS-DILUTED> .53 <YIELD-ACTUAL> .059 <LOANS-NON> 1,172,000 <LOANS-PAST> 93,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,127,000 <CHARGE-OFFS> 431,000 <RECOVERIES> 142,000 <ALLOWANCE-CLOSE> 923,000 <ALLOWANCE-DOMESTIC> 923,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0