Witnesses said the suicide bomber rammed his car into the Church of Christ during an early morning service.
A woman was killed as he sped towards the church, and a father and child died in the resulting explosion.
No group has said it carried out the attack, but suspicion will fall on the radical Islamist sect Boko Haram.
The group has carried out a number of bloody attacks across Nigeria in its quest to overthrow the government and create an Islamic state.
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