WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

<TABLE> <S> <C>

<ARTICLE> 9
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   9-MOS                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1995             DEC-31-1994
<PERIOD-END>                               SEP-30-1995             DEC-31-1994
<CASH>                                            2277                    3331
<INT-BEARING-DEPOSITS>                             293                       0
<FED-FUNDS-SOLD>                                 10200                   23800
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                       9916                    7173
<INVESTMENTS-CARRYING>                           45426                   46578
<INVESTMENTS-MARKET>                             45142                   44118
<LOANS>                                          42240                   26033
<ALLOWANCE>                                        625                     625
<TOTAL-ASSETS>                                  113443                  111062
<DEPOSITS>                                      101217                  103941
<SHORT-TERM>                                      4343                       0
<LIABILITIES-OTHER>                               1223                    1284
<LONG-TERM>                                        249                     249
<COMMON>                                          2006                    2006
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<OTHER-SE>                                        4405                    3582
<TOTAL-LIABILITIES-AND-EQUITY>                  113443                  111062
<INTEREST-LOAN>                                   2591                    1043
<INTEREST-INVEST>                                 2906                    1432
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                                  5497                    2475
<INTEREST-DEPOSIT>                                1939                     752
<INTEREST-EXPENSE>                                 143                      78
<INTEREST-INCOME-NET>                             3415                    1645
<LOAN-LOSSES>                                      151                       0
<SECURITIES-GAINS>                                 (2)                      36
<EXPENSE-OTHER>                                   3185                    1629
<INCOME-PRETAX>                                   1161                    2157
<INCOME-PRE-EXTRAORDINARY>                        1161                    2157
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                       740                    1524
<EPS-PRIMARY>                                     6.66                   13.71
<EPS-DILUTED>                                     5.92                   12.19
<YIELD-ACTUAL>                                    7.17                    5.40
<LOANS-NON>                                        513                     741
<LOANS-PAST>                                       344                     137
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                   625                     700
<CHARGE-OFFS>                                      180                      24
<RECOVERIES>                                        29                    1492
<ALLOWANCE-CLOSE>                                  625                     625
<ALLOWANCE-DOMESTIC>                               531                     541
<ALLOWANCE-FOREIGN>                            [BLANK]                       0
<ALLOWANCE-UNALLOCATED>                             94                     159
        

</TABLE>