<ARTICLE> 9
<LEGEND>
This schedule contains Summary Financial Information extracted from Form 10-Q
dated 9/30/95 and is qualified in its entirety by reference to such Form 10-Q.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               SEP-30-1995
<CASH>                                          17,124
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 8,475
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     34,079
<INVESTMENTS-CARRYING>                          33,552
<INVESTMENTS-MARKET>                                 0<F1>
<LOANS>                                        201,057
<ALLOWANCE>                                      5,880
<TOTAL-ASSETS>                                 296,540
<DEPOSITS>                                     273,809
<SHORT-TERM>                                     5,188
<LIABILITIES-OTHER>                                965
<LONG-TERM>                                      2,212
<COMMON>                                           147
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      14,219
<TOTAL-LIABILITIES-AND-EQUITY>                 296,540
<INTEREST-LOAN>                                 13,835
<INTEREST-INVEST>                                2,931
<INTEREST-OTHER>                                   199
<INTEREST-TOTAL>                                16,965
<INTEREST-DEPOSIT>                               6,834
<INTEREST-EXPENSE>                               7,297
<INTEREST-INCOME-NET>                            9,668
<LOAN-LOSSES>                                    3,063
<SECURITIES-GAINS>                                   6
<EXPENSE-OTHER>                                  8,589
<INCOME-PRETAX>                                    312
<INCOME-PRE-EXTRAORDINARY>                         312
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       788
<EPS-PRIMARY>                                      .05
<EPS-DILUTED>                                      .05
<YIELD-ACTUAL>                                    4.62
<LOANS-NON>                                      6,620
<LOANS-PAST>                                       379
<LOANS-TROUBLED>                                 2,759
<LOANS-PROBLEM>                                  2,679
<ALLOWANCE-OPEN>                                 6,827
<CHARGE-OFFS>                                    4,421
<RECOVERIES>                                       231
<ALLOWANCE-CLOSE>                                5,880
<ALLOWANCE-DOMESTIC>                             5,880
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0<F1>
<FN>
<F1>Not reported on a quarterly basis
</FN>