<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> SEP-30-1995 <CASH> 5,111 <INT-BEARING-DEPOSITS> 1,641 <FED-FUNDS-SOLD> 1,799 <TRADING-ASSETS> 869 <INVESTMENTS-HELD-FOR-SALE> 30,976 <INVESTMENTS-CARRYING> 30,976 <INVESTMENTS-MARKET> 30,646 <LOANS> 101,124 <ALLOWANCE> 1,274 <TOTAL-ASSETS> 145,542 <DEPOSITS> 127,677 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,569 <LONG-TERM> 2,345 <COMMON> 204 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 13,747 <TOTAL-LIABILITIES-AND-EQUITY> 145,542 <INTEREST-LOAN> 6,641 <INTEREST-INVEST> 1,177 <INTEREST-OTHER> 81 <INTEREST-TOTAL> 7,899 <INTEREST-DEPOSIT> 3,110 <INTEREST-EXPENSE> 3,265 <INTEREST-INCOME-NET> 4,634 <LOAN-LOSSES> 90 <SECURITIES-GAINS> (44) <EXPENSE-OTHER> 3,016 <INCOME-PRETAX> 2,128 <INCOME-PRE-EXTRAORDINARY> 1,504 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,504 <EPS-PRIMARY> 1.59 <EPS-DILUTED> 1.59 <YIELD-ACTUAL> 5.01 <LOANS-NON> 7 <LOANS-PAST> 487 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,200 <CHARGE-OFFS> 22 <RECOVERIES> 6 <ALLOWANCE-CLOSE> 1,274 <ALLOWANCE-DOMESTIC> 1,274 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0