<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