<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM (IDENTIFY
SPECIFIC FINANCIAL STATEMENTS) 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>                                      13,453,000
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             6,500,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 10,039,000
<INVESTMENTS-CARRYING>                      53,294,000
<INVESTMENTS-MARKET>                        53,866,000
<LOANS>                                    149,022,000
<ALLOWANCE>                                  4,843,000
<TOTAL-ASSETS>                             235,977,000
<DEPOSITS>                                 206,653,000
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                          1,220,000
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                    36,488,000
<OTHER-SE>                                 (8,396,000)
<TOTAL-LIABILITIES-AND-EQUITY>             235,977,000
<INTEREST-LOAN>                                 11,925
<INTEREST-INVEST>                                3,740
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                15,665
<INTEREST-DEPOSIT>                               3,823
<INTEREST-EXPENSE>                               3,823
<INTEREST-INCOME-NET>                           11,842
<LOAN-LOSSES>                                    2,365
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  8,180
<INCOME-PRETAX>                                  2,125
<INCOME-PRE-EXTRAORDINARY>                       2,125
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,025
<EPS-PRIMARY>                                      .45
<EPS-DILUTED>                                      .45
<YIELD-ACTUAL>                                    6.93
<LOANS-NON>                                      2,956
<LOANS-PAST>                                       627
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,216
<CHARGE-OFFS>                                    1,210
<RECOVERIES>                                       472
<ALLOWANCE-CLOSE>                                4,843
<ALLOWANCE-DOMESTIC>                             4,843
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0