<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