<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               SEP-30-1995
<CASH>                                      11,676,569
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             7,458,239
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 24,502,694
<INVESTMENTS-CARRYING>                      53,962,615
<INVESTMENTS-MARKET>                        54,730,102
<LOANS>                                    247,876,594
<ALLOWANCE>                                  3,420,944
<TOTAL-ASSETS>                             358,692,034
<DEPOSITS>                                 325,392,734
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                          3,197,631
<LONG-TERM>                                          0
<COMMON>                                     3,889,730
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                  26,211,939
<TOTAL-LIABILITIES-AND-EQUITY>             358,692,034
<INTEREST-LOAN>                             17,104,962
<INTEREST-INVEST>                            3,358,878
<INTEREST-OTHER>                               210,092
<INTEREST-TOTAL>                                     0
<INTEREST-DEPOSIT>                           9,242,273
<INTEREST-EXPENSE>                              41,019
<INTEREST-INCOME-NET>                       11,390,640
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                 893
<EXPENSE-OTHER>                              9,626,175
<INCOME-PRETAX>                              4,572,278
<INCOME-PRE-EXTRAORDINARY>                   4,572,278
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 3,029,356
<EPS-PRIMARY>                                     2.05
<EPS-DILUTED>                                     2.05
<YIELD-ACTUAL>                                    4.92
<LOANS-NON>                                    594,789
<LOANS-PAST>                                    56,484
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             3,158,168
<CHARGE-OFFS>                                  183,820
<RECOVERIES>                                     9,153
<ALLOWANCE-CLOSE>                            3,420,944
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0