<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