<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