<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM
FROM 10-QSB AND IS QUALIFIED IN TIS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS
</LEGEND>
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1994
<PERIOD-END>                               MAR-31-1995
<CASH>                                         3541700
<INT-BEARING-DEPOSITS>                         1179000
<FED-FUNDS-SOLD>                               4500000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    2994400
<INVESTMENTS-CARRYING>                        13942200
<INVESTMENTS-MARKET>                                 0
<LOANS>                                       55440900
<ALLOWANCE>                                     919800
<TOTAL-ASSETS>                                89078300
<DEPOSITS>                                    83202200
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                             386600
<LONG-TERM>                                          0
<COMMON>                                       8080000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                   (2692800)
<TOTAL-LIABILITIES-AND-EQUITY>                89078300
<INTEREST-LOAN>                                1289200
<INTEREST-INVEST>                               324100
<INTEREST-OTHER>                                 28100
<INTEREST-TOTAL>                               1641400
<INTEREST-DEPOSIT>                              363700
<INTEREST-EXPENSE>                                9500
<INTEREST-INCOME-NET>                          1268200
<LOAN-LOSSES>                                    90000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                1237800
<INCOME-PRETAX>                                  12100
<INCOME-PRE-EXTRAORDINARY>                       12100
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     12100
<EPS-PRIMARY>                                     0.01
<EPS-DILUTED>                                     0.01
<YIELD-ACTUAL>                                    6.40
<LOANS-NON>                                    1980000
<LOANS-PAST>                                    836000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                796500
<CHARGE-OFFS>                                    31500
<RECOVERIES>                                     64700
<ALLOWANCE-CLOSE>                               919800
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0