<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