<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