<ARTICLE> 9
<MULTIPLIER> 1,000
       
                                                  
<PERIOD-TYPE>                   9-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995             DEC-31-1995
<PERIOD-START>                             JAN-01-1995             JUL-01-1995
<PERIOD-END>                               SEP-30-1995             SEP-30-1995
<CASH>                                          10,497                  10,497
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                 2,200                   2,200
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     42,717                  42,717
<INVESTMENTS-CARRYING>                               0                       0
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                        109,307                 109,307
<ALLOWANCE>                                      2,484                   2,484
<TOTAL-ASSETS>                                 167,444                 167,444
<DEPOSITS>                                     150,802                 150,802
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                              2,089                   2,089
<LONG-TERM>                                          0                       0
<COMMON>                                        16,129                  16,129
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<OTHER-SE>                                     (1,576)                 (1,576)
<TOTAL-LIABILITIES-AND-EQUITY>                 167,444                 167,444
<INTEREST-LOAN>                                  8,883                   3,180
<INTEREST-INVEST>                                  617                     180
<INTEREST-OTHER>                                    88                      29
<INTEREST-TOTAL>                                 9,588                   3,389
<INTEREST-DEPOSIT>                               2,448                     910
<INTEREST-EXPENSE>                               2,491                     923
<INTEREST-INCOME-NET>                            7,097                   2,466
<LOAN-LOSSES>                                      953                     490
<SECURITIES-GAINS>                                (50)                     (6)
<EXPENSE-OTHER>                                  9,119                   3,239
<INCOME-PRETAX>                                  1,379                     728
<INCOME-PRE-EXTRAORDINARY>                       1,379                     728
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     1,478                     728
<EPS-PRIMARY>                                      .66                     .32
<EPS-DILUTED>                                      .66                     .32
<YIELD-ACTUAL>                                    6.59                    6.46
<LOANS-NON>                                     11,571                  11,571
<LOANS-PAST>                                       321                     321
<LOANS-TROUBLED>                                 2,234                   2,234
<LOANS-PROBLEM>                                 17,148                  17,148
<ALLOWANCE-OPEN>                                 2,727                   2,693
<CHARGE-OFFS>                                    1,252                     713
<RECOVERIES>                                        57                      14
<ALLOWANCE-CLOSE>                                2,484                   2,484
<ALLOWANCE-DOMESTIC>                             2,484                   2,484
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0