<ARTICLE> 9 <LEGEND> THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM REPORT ON FORM 10-K FOR THE FISCAL YEAR ENDED DECEMBER 31, 1995 AND IS QUALIFIED IN ITS ENTIRETY BY REFERNCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> DEC-31-1995 <CASH> 13,440 <INT-BEARING-DEPOSITS> 2,780 <FED-FUNDS-SOLD> 24,700 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 27,033 <INVESTMENTS-CARRYING> 7,408 <INVESTMENTS-MARKET> 7,349 <LOANS> 92,331 <ALLOWANCE> 2,002 <TOTAL-ASSETS> 178,572 <DEPOSITS> 140,409 <SHORT-TERM> 12,934 <LIABILITIES-OTHER> 554 <LONG-TERM> 7,989 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 20,314 <OTHER-SE> (3,587) <TOTAL-LIABILITIES-AND-EQUITY> 178,572 <INTEREST-LOAN> 10,090 <INTEREST-INVEST> 1,749 <INTEREST-OTHER> 904 <INTEREST-TOTAL> 12,743 <INTEREST-DEPOSIT> 2,928 <INTEREST-EXPENSE> 3,216 <INTEREST-INCOME-NET> 9,527 <LOAN-LOSSES> 200 <SECURITIES-GAINS> 11 <EXPENSE-OTHER> 10,840 <INCOME-PRETAX> 217 <INCOME-PRE-EXTRAORDINARY> 217 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 212 <EPS-PRIMARY> 0.10 <EPS-DILUTED> 0.10 <YIELD-ACTUAL> 6.16 <LOANS-NON> 6,969 <LOANS-PAST> 93 <LOANS-TROUBLED> 1,364 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,148 <CHARGE-OFFS> 655 <RECOVERIES> 309 <ALLOWANCE-CLOSE> 2,002 <ALLOWANCE-DOMESTIC> 1,264 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 738