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<MULTIPLIER> 1,000
       
                                                                                            
<PERIOD-TYPE>                   3-MOS                   6-MOS                   9-MOS                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1995             DEC-31-1995             DEC-31-1995             DEC-31-1995
<PERIOD-START>                             JAN-01-1995             APR-01-1995             JUL-01-1995             JAN-01-1995
<PERIOD-END>                               MAR-31-1995             JUN-30-1995             SEP-30-1995             SEP-30-1995
<CASH>                                            9236                    7554                   11436                   11436
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<TRADING-ASSETS>                                     0                       0                       0                       0
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<INVESTMENTS-CARRYING>                           74276                   68883                   71731                   71731
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<LOANS>                                         163036                  169734                  174920                  174920
<ALLOWANCE>                                       2415                    2527                    2600                    2600
<TOTAL-ASSETS>                                  250552                  251543                  302500                  302500
<DEPOSITS>                                      209776                  211301                  259936                  259936
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<LIABILITIES-OTHER>                               8917                    7939                    9046                    9046
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<COMMON>                                          2400                    2400                       0                       0
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<PREFERRED>                                          0                       0                    2400                    2400
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<INTEREST-INVEST>                                  997                     932                    1141                    3070
<INTEREST-OTHER>                                    15                      14                      44                      73
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<INTEREST-EXPENSE>                                1786                    1941                    2251                    5978
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<LOAN-LOSSES>                                       93                     121                     160                     374
<SECURITIES-GAINS>                                   0                       0                       0                       0
<EXPENSE-OTHER>                                   1566                    1583                    1547                    4696
<INCOME-PRETAX>                                   1478                    1488                    1636                    4602
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<EXTRAORDINARY>                                      0                       0                       0                       0
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<LOANS-PROBLEM>                                      0                       0                       0                       0
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