<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> 11,187 <INT-BEARING-DEPOSITS> 705 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 72,931 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 204,645 <ALLOWANCE> (5,953) <TOTAL-ASSETS> 306,744 <DEPOSITS> 242,075 <SHORT-TERM> 22,825 <LIABILITIES-OTHER> 5,714 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 584 <OTHER-SE> 39,229 <TOTAL-LIABILITIES-AND-EQUITY> 306,744 <INTEREST-LOAN> 4,472 <INTEREST-INVEST> 1,050 <INTEREST-OTHER> 69 <INTEREST-TOTAL> 5,591 <INTEREST-DEPOSIT> 2,331 <INTEREST-EXPENSE> 2,933 <INTEREST-INCOME-NET> 2,658 <LOAN-LOSSES> 4,425 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 450 <INCOME-PRETAX> (3,780) <INCOME-PRE-EXTRAORDINARY> (2,180) <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> (2,719) <EPS-PRIMARY> (.66) <EPS-DILUTED> (.66) <YIELD-ACTUAL> 7.91 <LOANS-NON> 545 <LOANS-PAST> 6,452 <LOANS-TROUBLED> 941 <LOANS-PROBLEM> 4,220 <ALLOWANCE-OPEN> 2,756 <CHARGE-OFFS> (2,832) <RECOVERIES> 504 <ALLOWANCE-CLOSE> (5,953) <ALLOWANCE-DOMESTIC> (5,953) <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0