<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JUL-01-1995 <PERIOD-END> SEP-30-1995 <CASH> 8,514 <INT-BEARING-DEPOSITS> 164,398 <FED-FUNDS-SOLD> 27,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 20,114 <INVESTMENTS-CARRYING> 36,405 <INVESTMENTS-MARKET> 36,769 <LOANS> 117,271 <ALLOWANCE> 1,672 <TOTAL-ASSETS> 214,212 <DEPOSITS> 192,764 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,362 <LONG-TERM> 0 <COMMON> 15,115 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 4,971 <TOTAL-LIABILITIES-AND-EQUITY> 20,086 <INTEREST-LOAN> 9,097 <INTEREST-INVEST> 2,224 <INTEREST-OTHER> 1,177 <INTEREST-TOTAL> 12,498 <INTEREST-DEPOSIT> 4,807 <INTEREST-EXPENSE> 4,807 <INTEREST-INCOME-NET> 7,691 <LOAN-LOSSES> 225 <SECURITIES-GAINS> 11 <EXPENSE-OTHER> 4,535 <INCOME-PRETAX> 3,323 <INCOME-PRE-EXTRAORDINARY> 3,323 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,995 <EPS-PRIMARY> 1.30 <EPS-DILUTED> 1.29 <YIELD-ACTUAL> 8.81 <LOANS-NON> 222 <LOANS-PAST> 1 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,426 <CHARGE-OFFS> 0 <RECOVERIES> 21 <ALLOWANCE-CLOSE> 1,672 <ALLOWANCE-DOMESTIC> 1,672 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0