<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-01-1995 <PERIOD-END> SEP-30-1995 <CASH> 24,039 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 27,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 70,248 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 198,897 <ALLOWANCE> 4,455 <TOTAL-ASSETS> 327,257 <DEPOSITS> 300,768 <SHORT-TERM> 0 <LIABILITIES-OTHER> 2,381 <LONG-TERM> 2,351 <COMMON> 10,790 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 10,967 <TOTAL-LIABILITIES-AND-EQUITY> 327,257 <INTEREST-LOAN> 15,459 <INTEREST-INVEST> 2,390 <INTEREST-OTHER> 834 <INTEREST-TOTAL> 18,683 <INTEREST-DEPOSIT> 5,192 <INTEREST-EXPENSE> 5,346 <INTEREST-INCOME-NET> 13,337 <LOAN-LOSSES> 1,300 <SECURITIES-GAINS> (72) <EXPENSE-OTHER> 12,388 <INCOME-PRETAX> 1,239 <INCOME-PRE-EXTRAORDINARY> 1,239 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 745 <EPS-PRIMARY> .30 <EPS-DILUTED> .30 <YIELD-ACTUAL> 5.93 <LOANS-NON> 7,751 <LOANS-PAST> 0 <LOANS-TROUBLED> 1,739 <LOANS-PROBLEM> 10,705 <ALLOWANCE-OPEN> 5,660 <CHARGE-OFFS> 2,893 <RECOVERIES> 388 <ALLOWANCE-CLOSE> 4,455 <ALLOWANCE-DOMESTIC> 2,431 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 2,024