<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