<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> 18,689 <INT-BEARING-DEPOSITS> 495 <FED-FUNDS-SOLD> 15,300 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 23,777 <INVESTMENTS-CARRYING> 17,237 <INVESTMENTS-MARKET> 17,255 <LOANS> 125,601 <ALLOWANCE> 3,010 <TOTAL-ASSETS> 204,159 <DEPOSITS> 188,964 <SHORT-TERM> 0 <LIABILITIES-OTHER> 888 <LONG-TERM> 0 <COMMON> 13,258 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 1,049 <TOTAL-LIABILITIES-AND-EQUITY> 204,159 <INTEREST-LOAN> 8,411 <INTEREST-INVEST> 1,403 <INTEREST-OTHER> 490 <INTEREST-TOTAL> 10,304 <INTEREST-DEPOSIT> 1,918 <INTEREST-EXPENSE> 1,961 <INTEREST-INCOME-NET> 8,343 <LOAN-LOSSES> 217 <SECURITIES-GAINS> 54 <EXPENSE-OTHER> 7,415 <INCOME-PRETAX> 1,584 <INCOME-PRE-EXTRAORDINARY> 1,584 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,011 <EPS-PRIMARY> 0 <EPS-DILUTED> 0 <YIELD-ACTUAL> 0 <LOANS-NON> 4,348 <LOANS-PAST> 163 <LOANS-TROUBLED> 7,057 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,224 <CHARGE-OFFS> 447 <RECOVERIES> 16 <ALLOWANCE-CLOSE> 3,010 <ALLOWANCE-DOMESTIC> 3,010 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0