<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE THIRD QUARTER 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH 10-Q. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JUL-01-1995 <PERIOD-END> SEP-30-1995 <CASH> 5,381 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 4,610 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 12,854 <INVESTMENTS-CARRYING> 53,105 <INVESTMENTS-MARKET> 55,816 <LOANS> 124,981 <ALLOWANCE> 2,105 <TOTAL-ASSETS> 206,680 <DEPOSITS> 183,152 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,029 <LONG-TERM> 0 <COMMON> 4,285 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 17,972 <TOTAL-LIABILITIES-AND-EQUITY> 206,680 <INTEREST-LOAN> 8,754 <INTEREST-INVEST> 3,002 <INTEREST-OTHER> 152 <INTEREST-TOTAL> 11,908 <INTEREST-DEPOSIT> 4,937 <INTEREST-EXPENSE> 4,941 <INTEREST-INCOME-NET> 6,967 <LOAN-LOSSES> 225 <SECURITIES-GAINS> (1) <EXPENSE-OTHER> 4,821 <INCOME-PRETAX> 3,198 <INCOME-PRE-EXTRAORDINARY> 3,198 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,445 <EPS-PRIMARY> 1.43 <EPS-DILUTED> 1.43 <YIELD-ACTUAL> 0 <LOANS-NON> 420 <LOANS-PAST> 191 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,006 <CHARGE-OFFS> 179 <RECOVERIES> 53 <ALLOWANCE-CLOSE> 2,105 <ALLOWANCE-DOMESTIC> 1,014 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,091