<ARTICLE> 9 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-01-1995 <PERIOD-END> SEP-30-1995 <CASH> 3,875,000 <INT-BEARING-DEPOSITS> 9,011,000 <FED-FUNDS-SOLD> 35,510,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 8,169,000 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 78,977,000 <ALLOWANCE> 1,860,000 <TOTAL-ASSETS> 136,512,000 <DEPOSITS> 121,630,000 <SHORT-TERM> 2,456,000 <LIABILITIES-OTHER> 781,000 <LONG-TERM> 0 <COMMON> 11,332,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 304,000 <TOTAL-LIABILITIES-AND-EQUITY> 136,512,000 <INTEREST-LOAN> 6,234,000 <INTEREST-INVEST> 441,000 <INTEREST-OTHER> 1,343,000 <INTEREST-TOTAL> 8,018,000 <INTEREST-DEPOSIT> 2,014,000 <INTEREST-EXPENSE> 2,014,000 <INTEREST-INCOME-NET> 6,004,000 <LOAN-LOSSES> 535,000 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 4,250,000 <INCOME-PRETAX> 1,562,000 <INCOME-PRE-EXTRAORDINARY> 1,562,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,389,000 <EPS-PRIMARY> 0.58 <EPS-DILUTED> 0.58 <YIELD-ACTUAL> 0.062 <LOANS-NON> 609,000 <LOANS-PAST> 1,679,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,390,000 <CHARGE-OFFS> 183,000 <RECOVERIES> 117,000 <ALLOWANCE-CLOSE> 1,860,000 <ALLOWANCE-DOMESTIC> 1,860,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0