<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