<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM CONSOLIDATED
BALANCE SHEETS AND CONSOLIDATED STATEMENTS OF OPERATION AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               SEP-30-1995
<CASH>                                       4,060,000
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             9,900,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  2,173,000
<INVESTMENTS-CARRYING>                      10,726,000
<INVESTMENTS-MARKET>                        10,702,000
<LOANS>                                     44,814,000
<ALLOWANCE>                                  1,091,000
<TOTAL-ASSETS>                              73,429,000
<DEPOSITS>                                  66,645,000
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            578,000
<LONG-TERM>                                          0
<COMMON>                                     4,567,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                   1,639,000
<TOTAL-LIABILITIES-AND-EQUITY>              73,429,000
<INTEREST-LOAN>                              3,436,000
<INTEREST-INVEST>                              619,000
<INTEREST-OTHER>                               232,000
<INTEREST-TOTAL>                             4,287,000
<INTEREST-DEPOSIT>                           1,440,000
<INTEREST-EXPENSE>                           1,440,000
<INTEREST-INCOME-NET>                        2,847,000
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              2,687,000
<INCOME-PRETAX>                                402,000
<INCOME-PRE-EXTRAORDINARY>                     402,000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   237,000
<EPS-PRIMARY>                                      .41
<EPS-DILUTED>                                      .41
<YIELD-ACTUAL>                                    9.07
<LOANS-NON>                                  1,121,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,605,000
<CHARGE-OFFS>                                  598,000
<RECOVERIES>                                    84,000
<ALLOWANCE-CLOSE>                            1,091,000
<ALLOWANCE-DOMESTIC>                         1,006,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         85,000