<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               SEP-30-1995
<CASH>                                       6,254,327
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                            12,345,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  4,888,227
<INVESTMENTS-CARRYING>                      76,200,529
<INVESTMENTS-MARKET>                        78,149,000
<LOANS>                                     70,536,509
<ALLOWANCE>                                  1,009,770
<TOTAL-ASSETS>                             175,768,137
<DEPOSITS>                                 146,417,204
<SHORT-TERM>                                 5,091,356
<LIABILITIES-OTHER>                            923,670
<LONG-TERM>                                          0
<COMMON>                                     7,321,560
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                  16,014,347
<TOTAL-LIABILITIES-AND-EQUITY>             175,768,137
<INTEREST-LOAN>                              4,512,031
<INTEREST-INVEST>                            4,422,227
<INTEREST-OTHER>                               392,929
<INTEREST-TOTAL>                             9,327,187
<INTEREST-DEPOSIT>                           3,314,060
<INTEREST-EXPENSE>                             192,537
<INTEREST-INCOME-NET>                        5,820,590
<LOAN-LOSSES>                                  135,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              4,191,991
<INCOME-PRETAX>                              2,042,015
<INCOME-PRE-EXTRAORDINARY>                   2,042,015
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,614,996
<EPS-PRIMARY>                                     2.21
<EPS-DILUTED>                                     2.21
<YIELD-ACTUAL>                                    5.33
<LOANS-NON>                                     78,276
<LOANS-PAST>                                    88,338
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                              1,823,254
<ALLOWANCE-OPEN>                               890,666
<CHARGE-OFFS>                                   25,054
<RECOVERIES>                                     9,158
<ALLOWANCE-CLOSE>                            1,009,770
<ALLOWANCE-DOMESTIC>                           146,613
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        863,157