<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM REPORT
ON FORM 10-Q FOR THE QUARTER ENDED MARCH 31, 1995 AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               MAR-31-1995
<CASH>                                          12,756
<INT-BEARING-DEPOSITS>                           2,072
<FED-FUNDS-SOLD>                                21,600
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     10,642
<INVESTMENTS-CARRYING>                          15,413
<INVESTMENTS-MARKET>                            15,010
<LOANS>                                         93,819
<ALLOWANCE>                                      2,253
<TOTAL-ASSETS>                                 168,025
<DEPOSITS>                                     129,212
<SHORT-TERM>                                    16,629
<LIABILITIES-OTHER>                                802
<LONG-TERM>                                     10,158
<COMMON>                                        16,648
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                     (5,424)
<TOTAL-LIABILITIES-AND-EQUITY>                 168,025
<INTEREST-LOAN>                                  2,581
<INTEREST-INVEST>                                  369
<INTEREST-OTHER>                                   218
<INTEREST-TOTAL>                                 3,168
<INTEREST-DEPOSIT>                                 645
<INTEREST-EXPENSE>                                 736
<INTEREST-INCOME-NET>                            2,432
<LOAN-LOSSES>                                      300
<SECURITIES-GAINS>                                  11
<EXPENSE-OTHER>                                  2,524
<INCOME-PRETAX>                                     65
<INCOME-PRE-EXTRAORDINARY>                          62
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                        62
<EPS-PRIMARY>                                     0.04
<EPS-DILUTED>                                     0.04
<YIELD-ACTUAL>                                    6.54
<LOANS-NON>                                      3,595
<LOANS-PAST>                                         1
<LOANS-TROUBLED>                                 2,311
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,148
<CHARGE-OFFS>                                      257
<RECOVERIES>                                        62
<ALLOWANCE-CLOSE>                                2,253
<ALLOWANCE-DOMESTIC>                             1,642
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            611