<ARTICLE> 9 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-01-1995 <PERIOD-END> SEP-30-1995 <CASH> 12,884,000 <INT-BEARING-DEPOSITS> 198,000 <FED-FUNDS-SOLD> 5,500,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 16,339,000 <INVESTMENTS-CARRYING> 20,144,000 <INVESTMENTS-MARKET> 16,053,000 <LOANS> 139,817,000 <ALLOWANCE> 2,055,000 <TOTAL-ASSETS> 209,976,000 <DEPOSITS> 187,359,000 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,897,000 <LONG-TERM> 4,575,000 <COMMON> 24,544,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> (8,399,000) <TOTAL-LIABILITIES-AND-EQUITY> 209,976,000 <INTEREST-LOAN> 10,954,000 <INTEREST-INVEST> 1,217,000 <INTEREST-OTHER> 331,000 <INTEREST-TOTAL> 12,502,000 <INTEREST-DEPOSIT> 3,250,000 <INTEREST-EXPENSE> 366,000 <INTEREST-INCOME-NET> 3,616,000 <LOAN-LOSSES> 100,000 <SECURITIES-GAINS> (112,000) <EXPENSE-OTHER> 9,485,000 <INCOME-PRETAX> 1,233,000 <INCOME-PRE-EXTRAORDINARY> 1,233,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,455,000 <EPS-PRIMARY> .61 <EPS-DILUTED> .54 <YIELD-ACTUAL> 6.96 <LOANS-NON> 2,347,000 <LOANS-PAST> 90,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,666,000 <CHARGE-OFFS> 1,882,000 <RECOVERIES> 368,000 <ALLOWANCE-CLOSE> 2,055,000 <ALLOWANCE-DOMESTIC> 2,055,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0