<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Balance Sheet, and Statement of Income, and is qualified in its entirety
by reference to such financial statements.
</LEGEND>
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               SEP-30-1995
<CASH>                                      10,470,983
<INT-BEARING-DEPOSITS>                         102,728
<FED-FUNDS-SOLD>                            15,800,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  1,510,626
<INVESTMENTS-CARRYING>                      10,206,790
<INVESTMENTS-MARKET>                        10,244,000
<LOANS>                                     50,254,929
<ALLOWANCE>                                (1,455,500)
<TOTAL-ASSETS>                              92,627,688
<DEPOSITS>                                  83,985,763
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            811,076
<LONG-TERM>                                          0
<COMMON>                                     4,033,059
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                     30,000
<OTHER-SE>                                   3,767,790
<TOTAL-LIABILITIES-AND-EQUITY>              92,627,688
<INTEREST-LOAN>                              4,662,524
<INTEREST-INVEST>                              464,011
<INTEREST-OTHER>                               393,585
<INTEREST-TOTAL>                             5,520,120
<INTEREST-DEPOSIT>                           1,618,116
<INTEREST-EXPENSE>                           1,618,116
<INTEREST-INCOME-NET>                        3,902,004
<LOAN-LOSSES>                                   95,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              4,188,868
<INCOME-PRETAX>                              1,551,776
<INCOME-PRE-EXTRAORDINARY>                   1,551,776
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   905,776
<EPS-PRIMARY>                                      .99
<EPS-DILUTED>                                      .99
<YIELD-ACTUAL>                                    7.11
<LOANS-NON>                                    310,077
<LOANS-PAST>                                   234,579
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,505,355
<CHARGE-OFFS>                                  167,462
<RECOVERIES>                                    22,589
<ALLOWANCE-CLOSE>                            1,455,500
<ALLOWANCE-DOMESTIC>                         1,455,500
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0