<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<FISCAL-YEAR-END>               DEC-31-1995
<PERIOD-TYPE>                   9-MOS
<PERIOD-END>                    SEP-30-1995
<CASH>                          3,404
<INT-BEARING-DEPOSITS>          0          
<FED-FUNDS-SOLD>                4,750
<TRADING-ASSETS>                0
<INVESTMENTS-HELD-FOR-SALE>     6,055
<INVESTMENTS-CARRYING>          0
<INVESTMENTS-MARKET>            0
<LOANS>                         56,602
<ALLOWANCE>                     2,027
<TOTAL-ASSETS>                  82,496
<DEPOSITS>                      78,838
<SHORT-TERM>                    0
<LIABILITIES-OTHER>             2,048
<LONG-TERM>                     1,458
<COMMON>                        20
<PREFERRED-MANDATORY>           0
<PREFERRED>                     10,220
<OTHER-SE>                      (10,068)
<TOTAL-LIABILITIES-AND-EQUITY>  82,496
<INTEREST-LOAN>                 3,930
<INTEREST-INVEST>               371
<INTEREST-OTHER>                180
<INTEREST-TOTAL>                4,481
<INTEREST-DEPOSIT>              2,235
<INTEREST-EXPENSE>              2,486
<INTEREST-INCOME-NET>           1,995
<LOAN-LOSSES>                   350
<SECURITIES-GAINS>              (16)
<EXPENSE-OTHER>                 3,636
<INCOME-PRETAX>                 (970)
<INCOME-PRE-EXTRAORDINARY>      0
<EXTRAORDINARY>                 0
<CHANGES>                       0
<NET-INCOME>                    (970)
<EPS-PRIMARY>                   (.94)
<EPS-DILUTED>                   0
<YIELD-ACTUAL>                  (3.69)
<LOANS-NON>                     5,688
<LOANS-PAST>                    578
<LOANS-TROUBLED>                0
<LOANS-PROBLEM>                 0
<ALLOWANCE-OPEN>                2,637
<CHARGE-OFFS>                   1,319
<RECOVERIES>                    359
<ALLOWANCE-CLOSE>               2,027
<ALLOWANCE-DOMESTIC>            2,027
<ALLOWANCE-FOREIGN>             0
<ALLOWANCE-UNALLOCATED>         0