<ARTICLE> 9
<LEGEND> 
This schedule contains summary financial information extracted from 
Form 10-Q for Period Ending 9/30/95 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-START>                          JAN-01-1995
<PERIOD-END>                            SEP-30-1995
<CASH>                                       12,634
<INT-BEARING-DEPOSITS>                            0
<FED-FUNDS-SOLD>                             15,500      
<TRADING-ASSETS>                                  0
<INVESTMENTS-HELD-FOR-SALE>                   2,495     
<INVESTMENTS-CARRYING>                       51,232      
<INVESTMENTS-MARKET>                         52,391      
<LOANS>                                     146,984       
<ALLOWANCE>                                   2,522     
<TOTAL-ASSETS>                              239,874       
<DEPOSITS>                                  207,705       
<SHORT-TERM>                                 11,053      
<LIABILITIES-OTHER>                             449   
<LONG-TERM>                                   2,475     
<COMMON>                                     15,357      
<PREFERRED-MANDATORY>                             0 
<PREFERRED>                                       0 
<OTHER-SE>                                    2,835     
<TOTAL-LIABILITIES-AND-EQUITY>              239,874       
<INTEREST-LOAN>                              11,884      
<INTEREST-INVEST>                             2,720     
<INTEREST-OTHER>                                323   
<INTEREST-TOTAL>                             14,927      
<INTEREST-DEPOSIT>                            4,746     
<INTEREST-EXPENSE>                            5,474     
<INTEREST-INCOME-NET>                         9,453     
<LOAN-LOSSES>                                   591   
<SECURITIES-GAINS>                                0 
<EXPENSE-OTHER>                              10,509      
<INCOME-PRETAX>                                (294)    
<INCOME-PRE-EXTRAORDINARY>                     (144)     
<EXTRAORDINARY>                                   0  
<CHANGES>                                         0 
<NET-INCOME>                                   (144)    
<EPS-PRIMARY>                                 (0.08)    
<EPS-DILUTED>                                 (0.08)    
<YIELD-ACTUAL>                                 6.04
<LOANS-NON>                                   2,539      
<LOANS-PAST>                                    405   
<LOANS-TROUBLED>                                  0 
<LOANS-PROBLEM>                                   0 
<ALLOWANCE-OPEN>                              2,918     
<CHARGE-OFFS>                                 1,020     
<RECOVERIES>                                     33  
<ALLOWANCE-CLOSE>                             2,522     
<ALLOWANCE-DOMESTIC>                          2,522     
<ALLOWANCE-FOREIGN>                               0 
<ALLOWANCE-UNALLOCATED>                           0