<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