<ARTICLE> 9
<MULTIPLIER> 1
<CURRENCY> U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1994
<PERIOD-START>                             JUL-01-1995
<PERIOD-END>                               SEP-30-1995
<EXCHANGE-RATE>                                      1
<CASH>                                       3,904,691
<INT-BEARING-DEPOSITS>                      10,369,000
<FED-FUNDS-SOLD>                             6,080,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 18,386,061
<INVESTMENTS-CARRYING>                         120,000
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     24,625,833
<ALLOWANCE>                                  (566,116)
<TOTAL-ASSETS>                            (67,021,934)
<DEPOSITS>                                  60,220,881
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            458,711
<LONG-TERM>                                          0
<COMMON>                                     4,453,300
<PREFERRED-MANDATORY>                                0
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<OTHER-SE>                                   1,889,042
<TOTAL-LIABILITIES-AND-EQUITY>              67,021,934
<INTEREST-LOAN>                                668,092
<INTEREST-INVEST>                              589,704
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                             1,257,796
<INTEREST-DEPOSIT>                             305,888
<INTEREST-EXPENSE>                             305,888
<INTEREST-INCOME-NET>                          951,908
<LOAN-LOSSES>                                  182,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                837,031
<INCOME-PRETAX>                                 67,881
<INCOME-PRE-EXTRAORDINARY>                      67,881
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    36,381
<EPS-PRIMARY>                                        0
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
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<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                    0
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0