<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               MAR-31-1995
<CASH>                                          26,944
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                53,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                          67,985
<INVESTMENTS-MARKET>                            66,776
<LOANS>                                        168,593
<ALLOWANCE>                                      7,592
<TOTAL-ASSETS>                                 316,827
<DEPOSITS>                                     277,279
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              8,622
<LONG-TERM>                                          0
<COMMON>                                        26,992
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                       3,934
<TOTAL-LIABILITIES-AND-EQUITY>                 316,827
<INTEREST-LOAN>                                  4,413
<INTEREST-INVEST>                                1,419
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 5,832
<INTEREST-DEPOSIT>                               2,024
<INTEREST-EXPENSE>                               2,082
<INTEREST-INCOME-NET>                            3,750
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,110
<INCOME-PRETAX>                                  1,260
<INCOME-PRE-EXTRAORDINARY>                         710
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       710
<EPS-PRIMARY>                                      .15
<EPS-DILUTED>                                      .15
<YIELD-ACTUAL>                                    5.63
<LOANS-NON>                                         66
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 2,485
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 7,427
<CHARGE-OFFS>                                        4
<RECOVERIES>                                       169
<ALLOWANCE-CLOSE>                                7,592
<ALLOWANCE-DOMESTIC>                             7,592
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0