<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-01-1995 <PERIOD-END> SEP-30-1995 <CASH> 8,701 <INT-BEARING-DEPOSITS> 20 <FED-FUNDS-SOLD> 350 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 47,537 <INVESTMENTS-CARRYING> 31,396 <INVESTMENTS-MARKET> 32,023 <LOANS> 192,722 <ALLOWANCE> 2,177 <TOTAL-ASSETS> 289,518 <DEPOSITS> 246,487 <SHORT-TERM> 1,682 <LIABILITIES-OTHER> 1,853 <LONG-TERM> 2,436 <COMMON> 6,912 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 30,148 <TOTAL-LIABILITIES-AND-EQUITY> 289,518 <INTEREST-LOAN> 12,417 <INTEREST-INVEST> 3,368 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 15,785 <INTEREST-DEPOSIT> 6,421 <INTEREST-EXPENSE> 230 <INTEREST-INCOME-NET> 9,135 <LOAN-LOSSES> 315 <SECURITIES-GAINS> 7 <EXPENSE-OTHER> 6,487 <INCOME-PRETAX> 3,684 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,803 <EPS-PRIMARY> 1.63 <EPS-DILUTED> 1.63 <YIELD-ACTUAL> 8.34 <LOANS-NON> 114 <LOANS-PAST> 6,018 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,033 <CHARGE-OFFS> 238 <RECOVERIES> 67 <ALLOWANCE-CLOSE> 2,177 <ALLOWANCE-DOMESTIC> 2,177 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0