<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> SEP-30-1995 <CASH> 5,261 <INT-BEARING-DEPOSITS> 3,699 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 22,159 <INVESTMENTS-CARRYING> 47,160 <INVESTMENTS-MARKET> 47,712 <LOANS> 155,502 <ALLOWANCE> 1,804 <TOTAL-ASSETS> 242,036 <DEPOSITS> 211,918 <SHORT-TERM> 4,330 <LIABILITIES-OTHER> 3,020 <LONG-TERM> 1,874 <COMMON> 1,347 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 19,547 <TOTAL-LIABILITIES-AND-EQUITY> 242,036 <INTEREST-LOAN> 11,002 <INTEREST-INVEST> 3,277 <INTEREST-OTHER> 96 <INTEREST-TOTAL> 14,375 <INTEREST-DEPOSIT> 6,861 <INTEREST-EXPENSE> 7,264 <INTEREST-INCOME-NET> 7,111 <LOAN-LOSSES> 125 <SECURITIES-GAINS> 10 <EXPENSE-OTHER> 5,032 <INCOME-PRETAX> 2,878 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,056 <EPS-PRIMARY> 1.53 <EPS-DILUTED> 1.53 <YIELD-ACTUAL> 4.37 <LOANS-NON> 1,647 <LOANS-PAST> 156 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,721 <CHARGE-OFFS> 52 <RECOVERIES> 10 <ALLOWANCE-CLOSE> 1,804 <ALLOWANCE-DOMESTIC> 1,804 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0