<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> SEP-30-1995 <PERIOD-START> JAN-01-1995 <PERIOD-END> SEP-30-1995 <CASH> 10,528 <INT-BEARING-DEPOSITS> 12,148 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 25,151 <INVESTMENTS-CARRYING> 18,182 <INVESTMENTS-MARKET> 18,157 <LOANS> 129,578 <ALLOWANCE> 1,836 <TOTAL-ASSETS> 202,386 <DEPOSITS> 179,463 <SHORT-TERM> 2,493 <LIABILITIES-OTHER> 2,220 <LONG-TERM> 2,895 <COMMON> 15,355 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> (40) <TOTAL-LIABILITIES-AND-EQUITY> 202,386 <INTEREST-LOAN> 9,425 <INTEREST-INVEST> 1,778 <INTEREST-OTHER> 352 <INTEREST-TOTAL> 11,555 <INTEREST-DEPOSIT> 4,270 <INTEREST-EXPENSE> 290 <INTEREST-INCOME-NET> 4,560 <LOAN-LOSSES> 120 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 5,597 <INCOME-PRETAX> 2,979 <INCOME-PRE-EXTRAORDINARY> 2,081 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,081 <EPS-PRIMARY> 2.00 <EPS-DILUTED> 2.00 <YIELD-ACTUAL> 5.22 <LOANS-NON> 306 <LOANS-PAST> 28 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 19 <ALLOWANCE-OPEN> 1,667 <CHARGE-OFFS> 144 <RECOVERIES> 193 <ALLOWANCE-CLOSE> 1,836 <ALLOWANCE-DOMESTIC> 1,836 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 173