<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               MAR-31-1995
<CASH>                                         741,813
<INT-BEARING-DEPOSITS>                             125
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<TRADING-ASSETS>                                     0
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<INTEREST-LOAN>                                569,151
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<LOAN-LOSSES>                                   47,600
<SECURITIES-GAINS>                                 466
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<EPS-PRIMARY>                                      .28
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