<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE BALANCE
SHEET AT SEPTEMBER 30, 1995, AND THE STATEMENTS OF OPERATIONS FOR THE NINE
MONTHS ENDED SEPTEMBER 30, 1995, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               SEP-30-1995
<CASH>                                           5,250
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                12,850
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     18,698
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         39,870
<ALLOWANCE>                                      1,486
<TOTAL-ASSETS>                                  80,788
<DEPOSITS>                                      70,422
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                523
<LONG-TERM>                                          0
<COMMON>                                        14,521
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                       1,832
<TOTAL-LIABILITIES-AND-EQUITY>                  80,788
<INTEREST-LOAN>                                  3,282
<INTEREST-INVEST>                                1,161
<INTEREST-OTHER>                                   206
<INTEREST-TOTAL>                                 4,649
<INTEREST-DEPOSIT>                                   0
<INTEREST-EXPENSE>                               1,225
<INTEREST-INCOME-NET>                            3,424
<LOAN-LOSSES>                                    (260)
<SECURITIES-GAINS>                                (33)
<EXPENSE-OTHER>                                  4,016
<INCOME-PRETAX>                                    290
<INCOME-PRE-EXTRAORDINARY>                         290
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       288
<EPS-PRIMARY>                                     0.05
<EPS-DILUTED>                                     0.05
<YIELD-ACTUAL>                                    9.00
<LOANS-NON>                                         23
<LOANS-PAST>                                       200
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,633
<CHARGE-OFFS>                                      147
<RECOVERIES>                                       260
<ALLOWANCE-CLOSE>                                1,486
<ALLOWANCE-DOMESTIC>                             1,486
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0