<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> 4,284 <INT-BEARING-DEPOSITS> 694 <FED-FUNDS-SOLD> 1,750 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 4,439 <INVESTMENTS-CARRYING> 18,502 <INVESTMENTS-MARKET> 18,524 <LOANS> 26,032 <ALLOWANCE> 622 <TOTAL-ASSETS> 58,094 <DEPOSITS> 50,873 <SHORT-TERM> 0 <LIABILITIES-OTHER> 550 <LONG-TERM> 0 <COMMON> 600 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 5,989 <TOTAL-LIABILITIES-AND-EQUITY> 58,094 <INTEREST-LOAN> 1,937 <INTEREST-INVEST> 1,035 <INTEREST-OTHER> 206 <INTEREST-TOTAL> 3,178 <INTEREST-DEPOSIT> 853 <INTEREST-EXPENSE> 853 <INTEREST-INCOME-NET> 2,325 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 420 <INCOME-PRETAX> 1,124 <INCOME-PRE-EXTRAORDINARY> 1,124 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 770 <EPS-PRIMARY> 6.42 <EPS-DILUTED> 0 <YIELD-ACTUAL> 5.68 <LOANS-NON> 2 <LOANS-PAST> 8 <LOANS-TROUBLED> 18 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 614 <CHARGE-OFFS> 6 <RECOVERIES> 14 <ALLOWANCE-CLOSE> 622 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 622