<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