<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