<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> 5,426 <INT-BEARING-DEPOSITS> 4,356 <FED-FUNDS-SOLD> 9,790 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 197 <INVESTMENTS-CARRYING> 1,233 <INVESTMENTS-MARKET> 1,233 <LOANS> 70,824 <ALLOWANCE> 1,204 <TOTAL-ASSETS> 95,194 <DEPOSITS> 87,617 <SHORT-TERM> 0 <LIABILITIES-OTHER> 398 <LONG-TERM> 0 <COMMON> 6,915 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 264 <TOTAL-LIABILITIES-AND-EQUITY> 95,194 <INTEREST-LOAN> 5,463 <INTEREST-INVEST> 654 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 6,117 <INTEREST-DEPOSIT> 1,895 <INTEREST-EXPENSE> 1,895 <INTEREST-INCOME-NET> 4,222 <LOAN-LOSSES> 174 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,200 <INCOME-PRETAX> 1,400 <INCOME-PRE-EXTRAORDINARY> 1,400 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 833 <EPS-PRIMARY> .95 <EPS-DILUTED> .95 <YIELD-ACTUAL> 9.92 <LOANS-NON> 1,009 <LOANS-PAST> 200 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1,798 <ALLOWANCE-OPEN> 1,050 <CHARGE-OFFS> 23 <RECOVERIES> 3 <ALLOWANCE-CLOSE> 1,204 <ALLOWANCE-DOMESTIC> 1,204 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 80