<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> SEP-30-1996 <CASH> 6,079 <INT-BEARING-DEPOSITS> 301 <FED-FUNDS-SOLD> 5,903 <TRADING-ASSETS> 934 <INVESTMENTS-HELD-FOR-SALE> 30,382 <INVESTMENTS-CARRYING> 30,382 <INVESTMENTS-MARKET> 30,382 <LOANS> 107,295 <ALLOWANCE> 1,573 <TOTAL-ASSETS> 155,331 <DEPOSITS> 135,844 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,915 <LONG-TERM> 2,340 <COMMON> 204 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 15,232 <TOTAL-LIABILITIES-AND-EQUITY> 155,331 <INTEREST-LOAN> 7,219 <INTEREST-INVEST> 1,407 <INTEREST-OTHER> 328 <INTEREST-TOTAL> 8,954 <INTEREST-DEPOSIT> 3,723 <INTEREST-EXPENSE> 3,843 <INTEREST-INCOME-NET> 5,111 <LOAN-LOSSES> 180 <SECURITIES-GAINS> 1 <EXPENSE-OTHER> 3,419 <INCOME-PRETAX> 2,387 <INCOME-PRE-EXTRAORDINARY> 1,680 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,680 <EPS-PRIMARY> 1.72 <EPS-DILUTED> 1.72 <YIELD-ACTUAL> 4.86 <LOANS-NON> 16 <LOANS-PAST> 95 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,433 <CHARGE-OFFS> 54 <RECOVERIES> 14 <ALLOWANCE-CLOSE> 1,573 <ALLOWANCE-DOMESTIC> 1,573 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0