<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>                                           6,822
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 8,345
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     37,522
<INVESTMENTS-CARRYING>                           8,426
<INVESTMENTS-MARKET>                             8,287
<LOANS>                                        194,468
<ALLOWANCE>                                      4,135
<TOTAL-ASSETS>                                 271,315
<DEPOSITS>                                     245,331
<SHORT-TERM>                                        70
<LIABILITIES-OTHER>                              2,310
<LONG-TERM>                                      4,323
<COMMON>                                        12,161
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                       7,120
<TOTAL-LIABILITIES-AND-EQUITY>                 271,315
<INTEREST-LOAN>                                 15,374
<INTEREST-INVEST>                                2,043
<INTEREST-OTHER>                                   469
<INTEREST-TOTAL>                                17,886
<INTEREST-DEPOSIT>                               8,129
<INTEREST-EXPENSE>                               8,406
<INTEREST-INCOME-NET>                            9,480
<LOAN-LOSSES>                                    2,038
<SECURITIES-GAINS>                                  18
<EXPENSE-OTHER>                                  6,267
<INCOME-PRETAX>                                  2,813
<INCOME-PRE-EXTRAORDINARY>                       2,813
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,904
<EPS-PRIMARY>                                     1.56
<EPS-DILUTED>                                     1.56
<YIELD-ACTUAL>                                    5.24
<LOANS-NON>                                      4,897
<LOANS-PAST>                                     1,170
<LOANS-TROUBLED>                                   598
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,029
<CHARGE-OFFS>                                    1,291
<RECOVERIES>                                       359
<ALLOWANCE-CLOSE>                                4,135
<ALLOWANCE-DOMESTIC>                             4,135
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0