<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> SEP-30-1995 <CASH> 6,775 <INT-BEARING-DEPOSITS> 57,387 <FED-FUNDS-SOLD> 9,400 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 4,199 <INVESTMENTS-CARRYING> 22,537 <INVESTMENTS-MARKET> 22,557 <LOANS> 53,642 <ALLOWANCE> 966 <TOTAL-ASSETS> 95,231 <DEPOSITS> 83,143 <SHORT-TERM> 2,078 <LIABILITIES-OTHER> 1,168 <LONG-TERM> 0 <COMMON> 3,696 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 95,231 <INTEREST-LOAN> 4,249 <INTEREST-INVEST> 1,291 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 5,540 <INTEREST-DEPOSIT> 1,692 <INTEREST-EXPENSE> 1,726 <INTEREST-INCOME-NET> 3,814 <LOAN-LOSSES> 130 <SECURITIES-GAINS> (35) <EXPENSE-OTHER> 3,268 <INCOME-PRETAX> 1,238 <INCOME-PRE-EXTRAORDINARY> 1,238 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 755 <EPS-PRIMARY> 0.70 <EPS-DILUTED> 0.65 <YIELD-ACTUAL> 6.33 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 756 <CHARGE-OFFS> 24 <RECOVERIES> 364 <ALLOWANCE-CLOSE> 966 <ALLOWANCE-DOMESTIC> 966 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 518