<ARTICLE> 9
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               SEP-30-1995
<CASH>                                            2056
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                  4300
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                           29290
<INVESTMENTS-MARKET>                             29094
<LOANS>                                          30844
<ALLOWANCE>                                        835
<TOTAL-ASSETS>                                   67645
<DEPOSITS>                                       58231
<SHORT-TERM>                                      2000
<LIABILITIES-OTHER>                                493
<LONG-TERM>                                          0
<COMMON>                                          2160
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                        4760
<TOTAL-LIABILITIES-AND-EQUITY>                   67645
<INTEREST-LOAN>                                   1919
<INTEREST-INVEST>                                 1390
<INTEREST-OTHER>                                   172
<INTEREST-TOTAL>                                  3481
<INTEREST-DEPOSIT>                                1334
<INTEREST-EXPENSE>                                  30
<INTEREST-INCOME-NET>                             2117
<LOAN-LOSSES>                                     (16)
<SECURITIES-GAINS>                                (23)
<EXPENSE-OTHER>                                   2184
<INCOME-PRETAX>                                    787
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       522
<EPS-PRIMARY>                                     2.69
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    4.40
<LOANS-NON>                                        204
<LOANS-PAST>                                        54
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   820
<CHARGE-OFFS>                                       15
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  835
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            321