<ARTICLE> 9
<CIK> 0000353650
<NAME> BWC FINANCIAL CORP
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               MAR-31-1995
<CASH>                                       8,983,000
<INT-BEARING-DEPOSITS>                       3,018,000
<FED-FUNDS-SOLD>                             3,450,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                      10,564,000
<INVESTMENTS-MARKET>                        15,752,000
<LOANS>                                     85,339,000
<ALLOWANCE>                                  1,565,000
<TOTAL-ASSETS>                             128,412,000
<DEPOSITS>                                 114,238,000
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            874,000
<LONG-TERM>                                          0
<COMMON>                                     9,052,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                   4,248,000
<TOTAL-LIABILITIES-AND-EQUITY>             128,412,000
<INTEREST-LOAN>                              2,264,000
<INTEREST-INVEST>                              367,000
<INTEREST-OTHER>                                54,000
<INTEREST-TOTAL>                             2,685,000
<INTEREST-DEPOSIT>                             729,000
<INTEREST-EXPENSE>                             730,000
<INTEREST-INCOME-NET>                        1,955,000
<LOAN-LOSSES>                                   75,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,523,000
<INCOME-PRETAX>                                583,000
<INCOME-PRE-EXTRAORDINARY>                     583,000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   391,000
<EPS-PRIMARY>                                      .47
<EPS-DILUTED>                                      .44
<YIELD-ACTUAL>                                    6.85
<LOANS-NON>                                    686,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                732,000
<ALLOWANCE-OPEN>                             1,498,000
<CHARGE-OFFS>                                   13,000
<RECOVERIES>                                     5,000
<ALLOWANCE-CLOSE>                            1,565,000
<ALLOWANCE-DOMESTIC>                           843,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        722,000