<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Registrant's Interim Financial Statement for fiscal quarter ended 9-30-95
and is qualified in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               SEP-30-1995
<CASH>                                       6,646,709
<INT-BEARING-DEPOSITS>                         104,282
<FED-FUNDS-SOLD>                             3,150,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 27,033,664
<INVESTMENTS-CARRYING>                      27,879,516
<INVESTMENTS-MARKET>                        27,719,173
<LOANS>                                     67,353,376
<ALLOWANCE>                                  1,355,103
<TOTAL-ASSETS>                             133,559,798
<DEPOSITS>                                 115,282,355
<SHORT-TERM>                                 1,007,626
<LIABILITIES-OTHER>                          1,041,183
<LONG-TERM>                                          0
<COMMON>                                         5,482
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                  12,068,344
<TOTAL-LIABILITIES-AND-EQUITY>             133,559,798
<INTEREST-LOAN>                              4,990,859
<INTEREST-INVEST>                            2,621,999
<INTEREST-OTHER>                               186,396
<INTEREST-TOTAL>                             7,799,254
<INTEREST-DEPOSIT>                           3,075,847
<INTEREST-EXPENSE>                             241,113
<INTEREST-INCOME-NET>                        4,482,294
<LOAN-LOSSES>                                  153,000
<SECURITIES-GAINS>                              31,346
<EXPENSE-OTHER>                              4,053,159
<INCOME-PRETAX>                              1,165,927
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   776,821
<EPS-PRIMARY>                                     1.50
<EPS-DILUTED>                                     1.50
<YIELD-ACTUAL>                                    8.45
<LOANS-NON>                                    364,817
<LOANS-PAST>                                    34,000
<LOANS-TROUBLED>                                43,174
<LOANS-PROBLEM>                                      0<F1>
<ALLOWANCE-OPEN>                             1,251,549
<CHARGE-OFFS>                                   82,270
<RECOVERIES>                                    32,824
<ALLOWANCE-CLOSE>                            1,355,103
<ALLOWANCE-DOMESTIC>                         1,355,103
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>Information not contained in financial statements for 10Q for first 9 months.
</FN>
        

</TABLE>