<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