<TABLE> <S> <C>


<ARTICLE>                                          9
<MULTIPLIER>                                   1,000
<CURRENCY>                               U.S.DOLLARS
       
<S>                            <C>
<PERIOD-TYPE>                  9-MOS
<FISCAL-YEAR-END>                        DEC-31-1995
<PERIOD-START>                           JAN-01-1995
<PERIOD-END>                             SEP-30-1995
<EXCHANGE-RATE>                                                           1
<CASH>                                                                5,393
<INT-BEARING-DEPOSITS>                                                    0
<FED-FUNDS-SOLD>                                                        100
<TRADING-ASSETS>                                                          0
<INVESTMENTS-HELD-FOR-SALE>                                          43,577
<INVESTMENTS-CARRYING>                                               43,577
<INVESTMENTS-MARKET>                                                 43,577
<LOANS>                                                              86,468
<ALLOWANCE>                                                           2,412
<TOTAL-ASSETS>                                                      138,684
<DEPOSITS>                                                          123,989
<SHORT-TERM>                                                            485
<LIABILITIES-OTHER>                                                     974
<LONG-TERM>                                                               0
<COMMON>                                                              8,261
<PREFERRED-MANDATORY>                                                     0
<PREFERRED>                                                               0
<OTHER-SE>                                                            4,975
<TOTAL-LIABILITIES-AND-EQUITY>                                      138,684
<INTEREST-LOAN>                                                       5,899
<INTEREST-INVEST>                                                     1,716
<INTEREST-OTHER>                                                          0
<INTEREST-TOTAL>                                                      7,615
<INTEREST-DEPOSIT>                                                    3,254
<INTEREST-EXPENSE>                                                       39
<INTEREST-INCOME-NET>                                                 4,322
<LOAN-LOSSES>                                                             0
<SECURITIES-GAINS>                                                       28
<EXPENSE-OTHER>                                                       4,293
<INCOME-PRETAX>                                                         647
<INCOME-PRE-EXTRAORDINARY>                                              471
<EXTRAORDINARY>                                                           0
<CHANGES>                                                                 0
<NET-INCOME>                                                            471
<EPS-PRIMARY>                                                           .03
<EPS-DILUTED>                                                           .03
<YIELD-ACTUAL>                                                         5.07
<LOANS-NON>                                                             519
<LOANS-PAST>                                                            775
<LOANS-TROUBLED>                                                          0
<LOANS-PROBLEM>                                                       3,374
<ALLOWANCE-OPEN>                                                      2,423
<CHARGE-OFFS>                                                            63
<RECOVERIES>                                                             52
<ALLOWANCE-CLOSE>                                                     2,412
<ALLOWANCE-DOMESTIC>                                                      0
<ALLOWANCE-FOREIGN>                                                       0
<ALLOWANCE-UNALLOCATED>                                                 270
        

</TABLE>