<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-01-1995 <PERIOD-END> MAR-31-1995 <CASH> 3906 <INT-BEARING-DEPOSITS> 1078 <FED-FUNDS-SOLD> 3000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 4430 <INVESTMENTS-MARKET> 4394 <LOANS> 43737 <ALLOWANCE> 802 <TOTAL-ASSETS> 59068 <DEPOSITS> 57535 <SHORT-TERM> 675 <LIABILITIES-OTHER> 717 <LONG-TERM> 1219 <COMMON> 2951 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> (4029) <TOTAL-LIABILITIES-AND-EQUITY> 59068 <INTEREST-LOAN> 1070 <INTEREST-INVEST> 107 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 1177 <INTEREST-DEPOSIT> 405 <INTEREST-EXPENSE> 458 <INTEREST-INCOME-NET> 719 <LOAN-LOSSES> 60 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 923 <INCOME-PRETAX> (130) <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> (130) <EPS-PRIMARY> (.23) <EPS-DILUTED> 0 <YIELD-ACTUAL> 5.6 <LOANS-NON> 2189 <LOANS-PAST> 594 <LOANS-TROUBLED> 8 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 821 <CHARGE-OFFS> 183 <RECOVERIES> 4 <ALLOWANCE-CLOSE> 802 <ALLOWANCE-DOMESTIC> 569 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 233