<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