<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> SEP-30-1995 <CASH> 19,062 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 17,863 <INVESTMENTS-CARRYING> 67,631 <INVESTMENTS-MARKET> 69,039 <LOANS> 243,768 <ALLOWANCE> 3,343 <TOTAL-ASSETS> 360,356 <DEPOSITS> 304,350 <SHORT-TERM> 28,085 <LIABILITIES-OTHER> 1,305 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 5,054 <OTHER-SE> 21,562 <TOTAL-LIABILITIES-AND-EQUITY> 360,356 <INTEREST-LOAN> 15,480 <INTEREST-INVEST> 3,187 <INTEREST-OTHER> 336 <INTEREST-TOTAL> 19,003 <INTEREST-DEPOSIT> 7,154 <INTEREST-EXPENSE> 7,770 <INTEREST-INCOME-NET> 11,233 <LOAN-LOSSES> 690 <SECURITIES-GAINS> (122) <EXPENSE-OTHER> 10,135 <INCOME-PRETAX> 3,585 <INCOME-PRE-EXTRAORDINARY> 2,665 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,665 <EPS-PRIMARY> 1.04 <EPS-DILUTED> 0.00 <YIELD-ACTUAL> 4.97 <LOANS-NON> 573 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,016 <CHARGE-OFFS> 500 <RECOVERIES> 136 <ALLOWANCE-CLOSE> 3,343 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0