<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> MAR-31-1995 <CASH> 2977 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 3000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 15094 <INVESTMENTS-CARRYING> 24189 <INVESTMENTS-MARKET> 23003 <LOANS> 33627 <ALLOWANCE> 788 <TOTAL-ASSETS> 84627 <DEPOSITS> 69605 <SHORT-TERM> 0 <LIABILITIES-OTHER> 7944 <LONG-TERM> 4270 <COMMON> 4427 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 5531 <TOTAL-LIABILITIES-AND-EQUITY> 84627 <INTEREST-LOAN> 907 <INTEREST-INVEST> 631 <INTEREST-OTHER> 33 <INTEREST-TOTAL> 1571 <INTEREST-DEPOSIT> 574 <INTEREST-EXPENSE> 629 <INTEREST-INCOME-NET> 942 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 720 <INCOME-PRETAX> 323 <INCOME-PRE-EXTRAORDINARY> 323 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 194 <EPS-PRIMARY> .184 <EPS-DILUTED> .183 <YIELD-ACTUAL> 5.02 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 212 <LOANS-PROBLEM> 807 <ALLOWANCE-OPEN> 738 <CHARGE-OFFS> 5 <RECOVERIES> 55 <ALLOWANCE-CLOSE> 788 <ALLOWANCE-DOMESTIC> 129 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 659