<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM (A) THE
CONSOLIDATED BALANCE SHEET AND CONSOLIDATED STATEMENT OF INCOME FILED AS PART OF
THE QUARTERLY REPORT ON FORM 10-Q INCOME FILED AS PART OF THE QUARTERLY REPORT
ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH (B) QUARTERLY
REPORT ON FORM 10-Q
</LEGEND>
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JUL-01-1995
<PERIOD-END>                               SEP-30-1995
<CASH>                                           12515
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      14552
<INVESTMENTS-CARRYING>                           37227
<INVESTMENTS-MARKET>                             37617
<LOANS>                                         124255
<ALLOWANCE>                                       1654
<TOTAL-ASSETS>                                  197310
<DEPOSITS>                                      173696
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                               2371
<LONG-TERM>                                       1000
<COMMON>                                          2326
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                       17917
<TOTAL-LIABILITIES-AND-EQUITY>                  197310
<INTEREST-LOAN>                                   8899
<INTEREST-INVEST>                                 2480
<INTEREST-OTHER>                                   101
<INTEREST-TOTAL>                                 11480
<INTEREST-DEPOSIT>                                4540
<INTEREST-EXPENSE>                                4718
<INTEREST-INCOME-NET>                             6762
<LOAN-LOSSES>                                      177
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                   5153
<INCOME-PRETAX>                                   2571
<INCOME-PRE-EXTRAORDINARY>                        2571
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      1991
<EPS-PRIMARY>                                     2.26
<EPS-DILUTED>                                     2.26
<YIELD-ACTUAL>                                    5.12
<LOANS-NON>                                        559
<LOANS-PAST>                                       291
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<LOANS-PROBLEM>                                   2635
<ALLOWANCE-OPEN>                                  1498
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<RECOVERIES>                                        72
<ALLOWANCE-CLOSE>                                 1654
<ALLOWANCE-DOMESTIC>                               591
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                           1063