<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY
REPORT ON FORM 10-Q FOR THE PERIOD ENDED SEPTEMBER 30, 1995 AND IS QUALIFIED IN
ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                           DEC-31-1995
<PERIOD-END>                                SEP-30-1995
<CASH>                                            2,208
<INT-BEARING-DEPOSITS>                            1,249
<FED-FUNDS-SOLD>                                  1,236
<TRADING-ASSETS>                                    594
<INVESTMENTS-HELD-FOR-SALE>                       3,277
<INVESTMENTS-CARRYING>                            1,765
<INVESTMENTS-MARKET>                              1,787
<LOANS>                                          31,691
<ALLOWANCE>                                       (704)
<TOTAL-ASSETS>                                   46,083
<DEPOSITS>                                       30,009
<SHORT-TERM>                                      6,700
<LIABILITIES-OTHER>                               1,702
<LONG-TERM>                                       2,059
<COMMON>                                            252
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                         508
<OTHER-SE>                                        2,833
<TOTAL-LIABILITIES-AND-EQUITY>                   46,083
<INTEREST-LOAN>                                   2,394
<INTEREST-INVEST>                                   250
<INTEREST-OTHER>                                    606
<INTEREST-TOTAL>                                  3,250
<INTEREST-DEPOSIT>                                1,179
<INTEREST-EXPENSE>                                1,951
<INTEREST-INCOME-NET>                             1,299
<LOAN-LOSSES>                                       175
<SECURITIES-GAINS>                                    7
<EXPENSE-OTHER>                                     312
<INCOME-PRETAX>                                     734
<INCOME-PRE-EXTRAORDINARY>                          399
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                        399
<EPS-PRIMARY>                                      3.36
<EPS-DILUTED>                                      3.27
<YIELD-ACTUAL>                                     4.48
<LOANS-NON>                                         355
<LOANS-PAST>                                          8
<LOANS-TROUBLED>                                     27
<LOANS-PROBLEM>                                       0
<ALLOWANCE-OPEN>                                    680
<CHARGE-OFFS>                                     (167)
<RECOVERIES>                                         42
<ALLOWANCE-CLOSE>                                   704
<ALLOWANCE-DOMESTIC>                                420
<ALLOWANCE-FOREIGN>                                 177
<ALLOWANCE-UNALLOCATED>                             107